Specialist Mortgage advice for IT Contractors and freelance workers.

We  specialise in matching IT Contractor and freelancers with mortgage lenders offering highly competitive rates coupled with a wide range of flexible products.

Email us : services@itmortgages.co.uk

Call us on

0844 332 7999

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Employed Mortgages

Our services are not just restricted to Contractor employees. If you are a permanent employee, IT Mortgages can still assist with your mortgage or protection requirements, regardless of which industry you work within. Most lenders in today’s lending climate will be able to lend circa four to five times your income dependent upon a number of factors to include how good your credit rating is, how much unsecured debt you have and a number of other points.

IT Mortgages can put you in touch with a fully qualified mortgage advisor if you are:

• Coming to the end of your current mortgage and are looking for a new rate
• Wish to borrow more money
• Want to add or remove a person from your mortgage
• Looking to purchase a new property as a first time buyer
• Looking to purchase your next property
• Looking to purchase an investment property such as a Buy To Let or second home

If your enquiry falls into one of the above, please feel free to enter your annual salary into the calculator below for a rough guideline on how much you can borrow. From this point you can then request a call back from a fully qualified Mortgage Advisor with access to the ‘whole of the market’ to ensure that you are getting the best advice possible when looking for a new mortgage.

Many people simply go to their own Bank assuming that because they already have a banking relationship with them, they will be able to get the best mortgage rates through them. This is often simply not the case. This is where shopping around really does pay dividends and employing the services of a Mortgage Advisor who can search through the ‘whole of the market’ and find the best mortgage suitable to your needs can save a lot of time, hassle and money.

A lot of people feel using comparison sites cuts out the need to employ the services of a Mortgage Advisor, however, whilst you may find that comparison sites detail some of the mortgages available to you as a consumer, they also have many disadvantages people often do not think of, such as:

• They do not have access to show you are rates which are available from lenders who do not sign up to those comparison sites such as lenders whom deal with intermediaries only
• Lenders often provide exclusive rates to intermediaries which are not available to the general public even if you approach the lender direct and consequently not listed on these sites.
• One of the main disadvantages of using comparison sites is that they do not account for the lenders criteria and whether or not you actually qualify for that rate. All too often nowadays it is the headline rate which catches a client’s attention and they will apply for the mortgage without the knowledge that they can get the mortgage. This can lead to declined applications which could have a negative affect on any subsequent applications made. A good mortgage advisor will know the criteria of every lender and will be able to advise you of the best rate available to you based upon your specific circumstances reducing the chances of failed applications.
• Once you have found the rate you want to proceed with, you still need to actually apply for the mortgage yourself and deal with the lender directly during the whole process which is often time consuming and can be quite daunting. A Mortgage Advisor would take care of everything for you and deal with the lender on your behalf.
• Finally, by using a fully qualified Mortgage Advisor you gain the benefit of their advice which you do not get by choosing to arrange your own mortgage. They are authorised and regulated by the Financial Services Authority so you can be sure the advice you obtain is reliable, professional advice.

To request a call back from a friendly, professional, fully qualified Mortgage Advisor please begin the process by entering your annual salary into the calculator below and then providing your contact details in the following screen. We will then arrange for a Mortgage Advisor to contact you the same working day (if your enquiry is made before 4pm) or the following working day at the latest, if the enquiry is made after 4pm.