Contractors and self employed Mortgages

If you work on a contract you can get a loan, but it may not be as easy as for traditionally employed people. Some lenders may be happy if you can prove that your contract has been renewed by the same employer. Others may want to see a pattern of renewals over a one or even a two-year period.

If you've just started your job lenders will look at your case individually. Essentially, they are interested in discovering how employable you are. A key factor, for example, would be if you have long experience in that particular industry. First-jobbers may find themselves being asked to wait for a while.

 

Author: Nick Seymour

Self employed and contractors need mortgagesjust like any other worker but often struggle.

Published on 3/4/2006.

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