At Teesside Money we understand how difficult it can be to be self employed and how little spare time you can have. This is where we can help.
As independent mortgage advisors we have access to the whole of the market so can advise which product will be best for you saving you the time and hassle of approaching multiple lenders, whether it be a first time mortgage or re-mortgage.
With years of experience helping self employed individuals we know which lenders to approach, what information they require and who will be able to offer the best rates. With specialist knowledge of the local area, dedicated point of contact and personal service we make the whole process as simple as possible from start to completion. Contact us today to get the ball rolling.
Company director mortgages do indeed vary from lender-to-lender, as you’ve no doubt already discovered. At Teesside Money, we work with a number of different lenders, all suited to different types of mortgage, even if you’ve been trading for under 12 months
There are many products available to contractors and consultants which are specifically designed to meet your needs. Because you’re probably paid on a daily or weekly rate, you won’t have a salary or the three years’ worth of accounts for a lender to see. At Teesside Money we have specialist advisors who can help you through every step of the way.
As the economy changes, lots more people are turning to self-employment. As such, when you’re registered as self-employed. you’re probably unsure where to turn when it comes to arranging a mortgage.
Teesside Money can offer advice and wisdom for all types of professional mortgage. So if you are a Doctor, GP, Teacher, Accountant, Architect, Civil Servant or Solicitor, please get in touch with us and we can talk you through all the options available to you in more detail
As a construction industry individual looking for a mortgage, you’ve no doubt come to realise that not all lenders do in fact offer CIS scheme mortgages. Teesside Money have your best interests at heart and within our repertoire, are a number of lenders who are willing to accept an application.
At Teesside Money we can help, whether you’re a copywriter, journalist, author, illustrator, marketer, web-developer plus many, many other freelancing professions.
As a general guide, you can usually borrow between 4 and 5 times your annual income, with some specialist lenders offering a higher multiple. The key is to find the right lender for you. With access to the whole of the market we can find the correct self employed mortgage for you. Contact us to find out more.
Securing a mortgage when you are self employed can be a little more complicated but with the correct paperwork and good advice it does not have to be too difficult. Contact us to find out more.
Most lenders will usually use your salary and dividends to calculate your income and verify this from your full accounts or SA302 year end tax calculations. There are also options to use the retained profit that is within the business, so if this is higher than you show as paid income, we can look at using that to increase affordability. Contact us to find out more.
Most lenders ask for 3 years accounts but we can help with just 2 or even 1 year’s accounts. Contact us to find out more.
We have offices located in Teesside, so we are ideally located to help self-employed people looking for a mortgage or to re-mortgage in whole of Teesside and the North East.
All mortgage applications are handled locally by our dedicated team of Mortgage Advisors at our Teesside Office.
Our experts take the time to understand the complexity of your mortgage needs and income streams. We’re with you every step of the way to help you get the right self employed mortgage.
With Teesside Money you have a dedicated point of contact who will manage your application from start to finish saving you time.
Taking on a mortgage is most likely the biggest financial commitment you will make, so unlike other mortgage brokers we are always available to meet in person face to face and update you on your mortgage application.
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK
Think carefully before securing debt against your home. Your home may be repossessed if you do not keep up payments on your mortgage or any other loans secured on it.
Teesside Money Limited Company Registration number 10991314. Registered Address at 80 Coleman Street, London, England, EC2R 5BJ, with a Trading Address at 4 Wellington Street, Stockton-on-Tees, TS18 1NA. Teesside Money Limited is registered with the Data Protection Act 1998 registration No. ZA287646 and is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 799826.