Category: Self-Employed Mortgages

  • Mortgages For Freelancers

    Mortgages For Freelancers

    Mortgages for Freelancers – How to Get a Mortgage When You’re Self-Employed You work for yourself, win projects, and manage your income. When you apply for a mortgage, it can make the process more daunting due to the fluctuations in income. With the right preparation and a broker who understands freelance income, you can apply Read more

  • Contractor Mortgages

    Contractor Mortgages

    Contractor Mortgages: Tailored Solutions for Self-Employed Workers The world of mortgages can be daunting, especially if you’re a contractor. While the flexibility and variety of work in contract roles are appealing, securing a mortgage may feel challenging due to the nature of your employment. At Kerr & Watson, we understand contractor mortgages offering tailored advice Read more

  • What to Bring to Your Mortgage Appointment

    What to Bring to Your Mortgage Appointment

    Essential Checklist: Documents You Need for a Hassle-Free Mortgage Appointment Preparing for your mortgage appointment is crucial for a smoother and more efficient application process.  Bringing or sending over the correct documents can significantly speed up the approval of your mortgage or remortgage.  At Kerr & Watson, we aim to make this process as seamless Read more

  • The Mortgage Process: What Lenders Look For and What Underwriters Do

    The Mortgage Process: What Lenders Look For and What Underwriters Do

    Key Insights and Tips to Boost Your Mortgage Approval Chances Mortgage underwriters are the gatekeepers of mortgage approval, meticulously assessing every aspect of a your financial profile. We explain the intricacies of mortgage underwriting, shedding light on what lenders scrutinise and offering actionable advice to bolster your chances of securing that coveted mortgage offer. Understanding Read more

  • Longest Term Mortgage in the UK

    Longest Term Mortgage in the UK

    Longest Term Mortgage in the UK: Benefits and Drawbacks When considering a mortgage, one of the decisions you’ll face is the length of the mortgage term. The mortgage term refers to the duration over which you’ll repay your loan, influencing your monthly payments, total interest paid, and financial planning. As lenders continue to evolve their Read more

  • No-Deposit Mortgage

    No-Deposit Mortgage

    Getting on the Property Ladder Without a Deposit Struggling to save a deposit for your first home? A no-deposit mortgage might be your solution. At Kerr & Watson, we understand the challenges of saving for a deposit while paying rent and managing other expenses. This guide will explain how no-deposit mortgages work, their advantages and Read more

  • Securing a Mortgage as a Limited Company Director

    Securing a Mortgage as a Limited Company Director

    How Limited Company Directors Can get a Mortgage Navigating the mortgage landscape as a Limited Company Director can be more complex than for typical employed applicants. This guide will equip you with the essential knowledge and steps to secure a mortgage, ensuring you maximise your chances of success. Can a Company Director Get a Mortgage? Read more

  • Can Stamp Duty Be Added to a Mortgage?

    Can Stamp Duty Be Added to a Mortgage?

    Introduction When purchasing property, you can encounter various costs. Among these costs, Stamp Duty is a significant expense, often prompting the question: Can stamp duty be added to a mortgage? Understanding Stamp Duty Stamp duty, or Stamp Duty Land Tax (SDLT), is levied upon purchasing a property or land. The rate is based upon the Read more

  • When Will Your Mortgage Be Pre-Approved?

    When Will Your Mortgage Be Pre-Approved?

    When Will Your Mortgage Be Pre-Approved? Key Steps and Timelines Obtaining a pre-approved mortgage is a crucial step in the home-buying process. It provides you with an understanding of how much you can borrow and reassures sellers of your financial capability. At Kerr & Watson, we specialise in guiding you through the mortgage process, ensuring Read more

  • Mortgages for OnlyFans content creators

    Mortgages for OnlyFans content creators

    Mortgages for OnlyFans Creators: Secure Your Dream Home with Expert Guidance In recent years, platforms like OnlyFans have transformed how individuals earn a living, offering creators the opportunity to generate substantial income through subscriptions and content sharing. While this flexible income stream is empowering, it can also present challenges when seeking a mortgage. Lenders may Read more

  • How Long Does Mortgage Application Approval Take?

    How Long Does Mortgage Application Approval Take?

    Mortgage Application Approval: What to Expect and How to Speed Up the Process Applying for a mortgage is a significant step in your home-buying journey, and one of the most common concerns is how long it takes to get a mortgage application approved. The timeline can vary depending on several factors, including the complexity of Read more

  • What Do Mortgage Lenders Look for on Bank Statements?

    What Do Mortgage Lenders Look for on Bank Statements?

    What Mortgage Lenders Check on Your Bank Statements Applying for a mortgage can be a detailed process, with lenders scrutinising various aspects of your financial situation to ensure you’re a reliable borrower. One of the key documents mortgage providers request during the application is your bank statements. These statements give lenders a clear view of Read more