Temp Mortgages

Temp Mortgages - are simply mortgages for Short term contractors who work and reside in the UK. In the current climate, lenders are cautious regarding the remuneration packages paid to short term contractors and have shown reluctance in underwriting these cases given concerns around the stability and security of employment in this sector.

This coupled with the changes to rule IR35 and the ambiguities around whether a contractor is technically employed or self employed, be it by a Company or a recruitment agency have caused us to deem Mortgages for Short term contractors a specialist area within Capital Fortune.

In light of the way many short term contractors are remunerated, we are able to package their cases appropriately and we are experts in placing them on the most suitable product, with the most suitable lender.

As well as mainstream lenders, we will look at financing your short term contract mortgage through a range of private banking both in the UK, through the Channel Islands as well as looking, if necessary, at bespoke international mortgage solutions.

At Capital Fortune, we understand the challenges faced by those on a short term contract We particularly understand the remuneration structure of Short term contracts and we can work closely with your contracting Company, Agency and accountants to obtain the best deal.

We have worked with a number of short term contractors working for multi-national banks such as Credit Suisse and HSBC, as well as Short term contractors in media, telecoms, and ecommerce. Many of which will be more than happy to give a testimonial to our bespoke services.

Our ability to contact senior underwriters on your behalf is also useful if you have changed address or had a number of short term contracts during the last 6 years as whilst unusual for other professions, it is not for Short term contracts who may have moved from institution, Companies or between agencies.

As a Short term contractor seeking a mortgage you will receive our premier service.

We understand the pressures of the profession and understand that when arranging a mortgage deal our short term contractors want to be sure in the knowledge that their mortgage will not only save them money, but also save them time and inconvenience.

All Short term contractors, as part of or our Capital Fortune premier service can be dealt with over the telephone or visited at home or work. We will strive to take the difficulty and time element out of the mortgage application.

We will obtain all the necessary documentation from you after our first discussion and will avoid cascading you with a range of further information during the internet mortgage application. We will contact you via email, text message or mobile telephone at convenient times agreed by you.

Once the mortgage has completed, your mortgage and mortgage protection needs will be constantly reviewed and in the event that new products become available, we will look to continually switch you to those products in order to increase the savings in a hassle free manner.

For more information on our Mortgages for Short term contractors, call us today on 0845 3 630 430 or Enquire Online.