At trufe. we understand everyone's situation is different. Unlike many traditional lenders, we don't find one size to fit all. Our team of mortgage experts explore the whole market to source the most cost-effective mortgages that suit your financial scenario.
Whatever your scenario, we are on hand to guide you through the process and match the most suitable lending solution with your property, employment type and credit history.
If you are a sole trader, member of a partnership or have a shareholding of over 25% in a limited company, you will typically be considered as self-employed by mortgage providers.
Whilst three years of history is preferable, some lenders will accept one year's trading information for your mortgage. Our expert team know which mortgage companies to approach to find the most appropriate solution for you.
Billing by the day or on short term contracts can impact how lenders calculate your income, which can affect the amount they will loan you. We look at the whole market including specialist mortgage providers to source the most suitable mortgage.
As high street banks and building societies move to accept a contractors income based on a day rate, the market is much more competitive for applicants who do not have 2 or 3 years of contracting experience.
Professional Mortgages are tailor-made for qualified professionals in certain roles which are seen as offering more security compared to other jobs. As a result, specialist mortgage companies often offer more favourable packages for our customers.
Professional mortgages are suitable for the following roles: Accountant, Actuary, Architect, Barrister, Dentist, Engineer, Medical Doctor/Practitioner, Optometrist, Pharmacist, Pilot, Solicitor, Surveyor, Vet.
It is easy to become overwhelmed by the wealth of products, packages and companies all offering different mortgages, especially when you don't fit the typical products offered by high street brands.
There are highly credible specialist mortgage lenders who all offer differing mortgages depending on your specific situation. At trufe. we know where to look and how to match your financial profile with their mortgage products.
