{"id":6,"date":"2015-05-27T08:16:36","date_gmt":"2015-05-27T08:16:36","guid":{"rendered":"https:\/\/www.it-contractor-mortgages.co.uk\/?page_id=6"},"modified":"2020-12-02T11:21:25","modified_gmt":"2020-12-02T11:21:25","slug":"home","status":"publish","type":"page","link":"https:\/\/www.it-contractor-mortgages.co.uk\/","title":{"rendered":"Home"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1546597192395{margin-bottom: 0px !important;padding-top: 60px !important;padding-bottom: 40px !important;background: #8796d1 url(https:\/\/www.it-contractor-mortgages.co.uk\/wp-content\/uploads\/2019\/01\/it-contactor-mortgages.jpg?id=427) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_class=&#8221;white-text&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text el_class=&#8221;main box big-button&#8221;]<\/p>\n<h1 style=\"text-align: center;\">WELCOME TO <strong>IT CONTRACTOR MORTGAGES<\/strong><\/h1>\n<h2 style=\"text-align: center;\">SPECIALIST INTRODUCERS OF MORTGAGE SOLUTIONS TO THE UK IT CONTRACTOR COMMUNITY<\/h2>\n<p style=\"text-align: center;\">IT Contractor Mortgages is an introducer to Y-not Finance Limited<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; el_class=&#8221;mobile-hide&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1492682945625{margin-bottom: 0px !important;padding-top: 60px !important;padding-bottom: 40px !important;background-color: #4b60ac !important;}&#8221; el_class=&#8221;white-text&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Buy that house today!<\/h2>\n<p style=\"text-align: justify;\">Established by Tim Rainey as specialist brokers of mortgage solutions to the IT contractor and IT consultant community we are aware of how your personal situation is unique enough to scare off many high street lenders. You make more money than most people, you probably receive your money erratically, you plan your income in a tax-efficient manner and you are probably savvy to the benefits of property investing &#8212; A profile that is enough to put-off most high street lenders&#8230; We are your perfect mortgage partner.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; el_class=&#8221;mobile-hide&#8221;][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-149 size-full\" src=\"https:\/\/www.it-contractor-mortgages.co.uk\/wp-content\/uploads\/2015\/05\/home1.png\" alt=\"home\" width=\"512\" height=\"512\" srcset=\"https:\/\/www.it-contractor-mortgages.co.uk\/wp-content\/uploads\/2015\/05\/home1.png 512w, https:\/\/www.it-contractor-mortgages.co.uk\/wp-content\/uploads\/2015\/05\/home1-150x150.png 150w, https:\/\/www.it-contractor-mortgages.co.uk\/wp-content\/uploads\/2015\/05\/home1-300x300.png 300w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1492683046990{margin-bottom: 0px !important;padding-top: 60px !important;padding-bottom: 60px !important;background-color: #ffffff !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Do any of these apply to you?<\/h2>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text el_class=&#8221;ticklist&#8221;]<\/p>\n<ul>\n<li style=\"text-align: justify;\">Your accounts do not really reflect your up-to-date company position<\/li>\n<li style=\"text-align: justify;\">You can&#8217;t provide two or three years accounts<\/li>\n<li style=\"text-align: justify;\">Your accounts are constructed to minimise tax payable by showing the least amount of taxable net profit<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text el_class=&#8221;ticklist&#8221;]<\/p>\n<ul>\n<li style=\"text-align: justify;\">You are unable to provide evidence of contract renewals over a one or two-year period<\/li>\n<li style=\"text-align: justify;\">It&#8217;s hard to prove your income and your income is variable<\/li>\n<li style=\"text-align: justify;\">You have more than one contract<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_toggle title=&#8221;Yes, that&#8217;s me!&#8221; style=&#8221;text_only&#8221; size=&#8221;lg&#8221; el_id=&#8221;1434727004824-d7f709b6-bc99&#8243;]<\/p>\n<p style=\"text-align: left;\">We are able to offer IT Consultants and computer programmers* mortgages working either through their own limited companies, as sole traders, or through umbrella companies the facility to access mainstream lender channels for mortgages.<\/p>\n<p style=\"text-align: justify;\">This bespoke advice is available for first-time buyers, movers and re-mortgages alike.<\/p>\n<p style=\"text-align: justify;\">Within the special arrangements offered by lenders there are very differing criteria. For example one lender may request that you have at least 12 months contracting experience, while a second lender may request you have at least 6 months left on a contract at application. Our position therefore is very simply to obtain the most appropriate and cost effective mortgage in the market for you given your circumstances and indeed how you would ideally prefer the advance to be structured.<\/p>\n<p style=\"text-align: justify;\">An example of the use of contract rate rather than net profit or drawings might be:<\/p>\n<p>Daily rate of \u00a3300 on a three month rolling basis, this would offer a potential mortgage income annualised over a 48 week year to be \u00a3300*5*48=\u00a372,000. This allows the contractor professional another string to their bow.<\/p>\n<p>However we would obviously make use of the normal account based sourcing if this were to be available and indeed offer an improved recommendation.[\/vc_toggle][\/vc_column][vc_column width=&#8221;1\/3&#8243; el_class=&#8221;mobile-hide&#8221;][vc_empty_space][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\" wp-image-152 aligncenter\" src=\"https:\/\/www.it-contractor-mortgages.co.uk\/wp-content\/uploads\/2015\/05\/check1-300x300.png\" alt=\"check\" width=\"200\" height=\"200\" srcset=\"https:\/\/www.it-contractor-mortgages.co.uk\/wp-content\/uploads\/2015\/05\/check1-300x300.png 300w, https:\/\/www.it-contractor-mortgages.co.uk\/wp-content\/uploads\/2015\/05\/check1-150x150.png 150w, https:\/\/www.it-contractor-mortgages.co.uk\/wp-content\/uploads\/2015\/05\/check1.png 512w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1435241252566{margin-bottom: 0px !important;padding-top: 60px !important;padding-bottom: 60px !important;background-color: #8796d1 !important;}&#8221; el_class=&#8221;white-text&#8221;][vc_column width=&#8221;1\/3&#8243; el_class=&#8221;ticklist&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">Normal Documentation includes&#8230;<\/h2>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;norm&#8221;]<\/p>\n<ul style=\"text-align: justify;\">\n<li>Up to date CV<\/li>\n<li>Latest contract and potentially previous<\/li>\n<li>Latest 3-6 months bank statements<\/li>\n<li>Accounts if appropriate<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Maximum loan to value is 95% in the current market, subject to status with a choice of competitive fixed rates, discounts and cash back products from main stream lenders, subject to status.<\/p>\n<p style=\"text-align: justify;\">*Other categories of contract work also qualify. <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.it-contractor-mortgages.co.uk\/contact-it-contractor-mortgages\">Contact us<\/a><\/span> to find out more.<\/p>\n<p style=\"text-align: justify;\">The overall cost for comparison is 4.3% APR. The actual rate will depend on your circumstances. <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.it-contractor-mortgages.co.uk\/contact-it-contractor-mortgages\">Ask for a personalised illustration.<\/a><\/span><\/p>\n<p style=\"text-align: justify;\">Your home may be repossessed if you do not keep up repayments on your mortgage.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1546597192395{margin-bottom: 0px !important;padding-top: 60px !important;padding-bottom: 40px !important;background: #8796d1 url(https:\/\/www.it-contractor-mortgages.co.uk\/wp-content\/uploads\/2019\/01\/it-contactor-mortgages.jpg?id=427) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_class=&#8221;white-text&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text el_class=&#8221;main box big-button&#8221;] WELCOME TO IT CONTRACTOR MORTGAGES SPECIALIST INTRODUCERS OF MORTGAGE SOLUTIONS TO THE UK IT CONTRACTOR COMMUNITY IT Contractor Mortgages is an introducer to Y-not Finance Limited [\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; el_class=&#8221;mobile-hide&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1492682945625{margin-bottom: 0px !important;padding-top: 60px !important;padding-bottom: 40px !important;background-color: #4b60ac !important;}&#8221; el_class=&#8221;white-text&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text] Buy that house today! Established by Tim Rainey as specialist brokers of mortgage solutions to the IT contractor and IT consultant community we are aware of how your personal situation is unique enough to scare off many high street lenders. You make more money than most people, you probably receive your money erratically, you plan your income in a tax-efficient manner and you are probably savvy to the benefits of property investing &#8212; A profile that &hellip; <a class=\"readmore\" href=\"https:\/\/www.it-contractor-mortgages.co.uk\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IT Contractor Mortgage | Specialist Mortgage Brokers Bournemouth, Poole<\/title>\n<meta name=\"description\" content=\"IT Contractor Mortgage, Specialist Providers of mortgage solutions to the UK IT Contractor Community. 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