CW Mortgages with Ian

What Counts As Income For A Contractor Mortgage?

contractor mortgage income

If you are applying for a mortgage for contractors, one of the biggest questions is often simple: what income will the lender actually recognise?  The confusion is understandable because contractors can be paid in several different ways. Some work on a day rate basis. Others operate through a limited company and pay themselves through dividends. […]

What First-Time Buyers Need to Know

first time buyers

Buying your first home is a big step, and most first-time buyers quickly realise there is more to it than just finding a property they like.

How To Prepare Your Accounts For A Mortgage When Self-Employed

self-employed mortgage accounts

Applying for a mortgage when self-employed can feel more complicated than it should. Many self-employed workers and freelancers earn high incomes, yet still run into problems when lenders try to assess affordability. The challenge is not usually the income itself, but how it is presented. Unlike regular employees with payslips, self-employed and freelance applicants must […]

First-Time Buyer Mortgage Tips

Getting your first mortgage

Useful first-time buyer mortgage tips from CW Mortgages, including deposits, credit checks, bank statements, budgeting and avoiding delays.

The Biggest Mistakes I See When People Try To Remortgage On Their Own

common remortgage mistakes

A lot of people try to handle a remortgage on their own because, on the surface, it looks simple. Your deal ends, you compare a few rates online, and you move on. That is completely understandable. Most people want to save time and avoid involving yet another person in the process. But over the years, […]

Don’t Ruin Your Mortgage Chances

mortgage advice for first-time buyers

If you are planning to apply for a mortgage in the next six months, the decisions you make now can impact whether your application is approved, delayed or restricted. Many buyers assume mortgage problems only arise at the point of application. In reality, most issues are caused much earlier. Small oversights with savings, credit cards […]

4 Things Lenders Do Not Want To See On Your Bank Statements

lenders bank

When you apply for a mortgage, lenders do not just look at your income and credit score. They also take a close look at your bank statements to see how you actually manage your money. For a lot of people, this part feels a bit uncomfortable. It is normal to worry about whether that one […]


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