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10 top tips for securing contractor mortgages and loans
Contractors can increase their chances of securing mortgages by using these top tips from a contractor mortgage expert.
…m being awarded the mortgage. 8 - Avoid breaks in contracting One of the attractions of the contracting lifesty… …on to do so, as they can have runs of high-paying contracts that allow them to pay healthy dividends. When th… …enders. 2 - Find a lender happy to use annualised contract rates to set lending limits The good news for con…
Category: Articles: Mortgages | Wed, 27 Apr 2016

Why buy to let (BTL)? Property is great for increasing your income
Get guaranteed income after you retire from contracting. Find out how investing your money in buy-to-let property could be the best decision you make!
…ment could guarantee you a source of revenue when contracts are few and far between, or help you build up a h…
Category: Articles: Mortgages | Fri, 21 Oct 2016

Can company money be used to offset a mortgage?
Can you use company money to offset your mortgage? No, and here's why.
…s funds ready to use during any downturn in their contracting career. With offset mortgages being popular, and…
Category: Articles: Mortgages | Mon, 31 Jul 2017

Contractor Doctor: Should I keep cash in my company or pay off my mortgage?
Contractors should consider their options before deciding to pay-off debts or delay dividends as it may save tax, says Abbott Moore’s James Abbott.
…Dear Contractor Doctor I have been contracting for over two years now and have now amassed a siz…
Category: Articles: Mortgages | Thu, 10 Aug 2017

Contractor mortgages: mortgage products available
There are many contractor mortgage options, but they’re generally not available from high-street lenders
…y. Often branch staff simply don’t understand the contracting sector, and contractors are better off using prov… …ist who deals with lenders that are able to offer contract based underwriting. For a more general round-up o…
Category: Articles: Mortgages | Thu, 17 Aug 2017

Mortgages for contractors: you can get one
Getting a mortgage when contracting does not have to be painful
…rect access to underwriting teams that understand contracting. These underwriters are not accessible to applica… …. So providers use an annualised multiple of your contract rate: if you are earning a certain number of poun…
Category: Articles: Mortgages | Thu, 14 Sept 2017

Contractor Doctor: Can I use my limited company money to offset my mortgage?
Contractors may face a hefty tax bill, and even prosecution, by using company money to offset personal mortgages, warns James Abbott of Abbott Moore.
…e sums in mortgage interest.” Good luck with your contracting! Contractor Doctor…
Category: Articles: Mortgages | Mon, 18 Sept 2017

Keeping ‘em sweet
With the demand for contractors increasing here’s a guide to holding onto your best ones.
…tractors with high professional standards is that contracts are misrepresented in the recruiting process. If… …burst contractors have been happy just to have a contract and delighted if it got renewed, even with enforc…
Category: Articles: Contractor Insider | Fri, 03 Mar 2006

Contractor guide to contracting overseas: France
Contractors with France-based contracts lasting over six months find becoming self-employed is the most effective option, says CXC’s Charles Daw.
…usiness. What contractors should do when starting contracting in France Although there are no visas required, a… …Contractors with contracts requiring them to work in France for more than th… …ench consulate before applying for a France-based contract. “Although contractors from the UK don’t need vis…
Category: Articles: Contracting Overseas | Tue, 21 Jul 2015

Contractor guide to contracting overseas: Denmark
Contractors who register for the Danish expat tax scheme pay lower tax, have less red tape and can join from outside the EU, says CXC’s Charles Daw.
…y will be payable on a fee income generated while contracting in Denmark. For the most part, Daw does not recom… …e in Denmark through their UK limited company for contracts of a few weeks’ duration.They may need to registe… …Contractors who have won a contract in Denmark may find the most effective way to tra…
Category: Articles: Contracting Overseas | Thu, 27 Aug 2015