Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.
We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.
We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.
Yes, it is possible to apply for a mortgage if you are in a contractor or in a freelancer role. However, the criteria for applying for a mortgage may vary between lenders. Learn more about applying for a contractor mortgage with LDN Finance here.
To apply for a mortgage as a contractor your employment will either need to be classified as self-employed, sub-contractor, agency worker, fixed-term with previous contacts, working for an umbrella company or in a professional field. You will also need to provide proof of income for a given period to apply.
As a contractor inside IR35 you can get a mortgage, but your choice of lenders is likely to be limited. In some cases, mortgage lenders have not yet confirmed their criteria for contractors inside IR35.
Since the legislation was introduced, some lenders have changed their criteria requirements. New or first-time contractors have found it harder to achieve lenders affordability criteria when compared to established professionals. However, those who trade as a limited company have not seen their affordability change dramatically.
Typically, lenders will expect your contract to still have between 6-12 months remaining when submitting a mortgage application. If your contract is expiring sooner, speak with an LDN Finance adviser about how to present additional information to a lender.
Excellent and outstanding professional service from start to finish. From offering as many options as possible, to explaining to me very quickly what the benefits are and what I should really be thinking about moving forward. Thoroughly recommend.
5 Stars! The LDN team supported us purchasing our family home, without their support and as an expat it would have been very difficult to obtain our new home in the UK. I would totally recommended them.
Johnny Martin held our hands through the entire process calmly and professionally. Brilliant service, efficient and swift in response to everything. He made the entire journey uncomplicated even when the bank made it complicated. Highly recommended.
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