Light Sky Mortgages have developed the knowledge and expertise over many years to help you get the mortgage you need.
While many lenders place restrictions on what mortgage offers they are willing to make to contractors and freelancers and are not always willing to regard such clients as falling in either the ‘employed’ or ‘self-employed’ groups of clients, we can work with you and and a comprehensive range of mortgage products.
As experts in this field, Light Sky Mortgages recognise the obstacles that you might face when applying for a mortgage: proof of your income and end dates to contract work. For example, some lenders may question how you might be able to maintain your mortgage payments beyond your end of contract date.
This value is calculated using a simple income multiplier to provide an indicative figure only. We do not guarantee its accuracy or applicability to your circumstances. When you apply for a mortgage, lenders will calculate how much they will lend based on your income, expenditure, and debt.
“We can’t proceed without several years of accounts”
“You are new to contracting”
“Your contract is less than 12 months”
“You can only provide evidence of short-term work”
“Your current contract is about to end”
“You are paid through a tax efficiency umbrella company (employed or self-employed)”
The good news is that contractors and freelancers are now regarded by many lenders as safe borrowers. With our expert advice, we are committed to finding you a lender with the mortgage that is right for you.
There is a huge range of mortgage products available in the market and this can be confusing. Our specialist software allows us to access a comprehensive range of up-to-the-minute deals and with our expertise we can take the strain out of the process by selecting the right options for you. This allows you to make an informed decision about the product you would like to purchase.
We can talk face to face about your mortgage needs via a Zoom video call, or if you prefer good old fashioned telephone conversation, of course we can do that too. It’s up to you.
If you’re looking to save money on your mortgage, either now or in the near future, or you want to raise funds from the value your property, we can help. Re-mortgaging could save you thousands of pounds. We will check with all of our lenders, including your existing lender, to get the best deal for you. Contact us to see how much money you can save.
If you are a first-time buyer, a home mover or are considering a re-mortgage or organising a buy-to-let or if you need any other type of mortgage-related help, please get in touch with us.
Call 023 8235 4414 or email us.
We can ensure you are protected for your new mortgage and discuss the type of insurance policy you might need, depending on your situation.Read more about protection
If you own your own home, you’ll need to have buildings insurance just in case your home is damaged and needs a repair, as well as contents insurance.Read more about insurance
Light Sky Mortgages Ltd is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only.
Registered address: Director Generals House, 15 Rockstone Place, Southampton, SO15 2EP.
We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service.