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If you are self-employed or a company director (owning more than 20% - 25% shares of a company) applying for a mortgage or re-mortgage may prove demanding; the main reasons being, lenders like to see documentation that demonstrates a good current income usually by way of audited accounts, and also lenders may require you to have been self employed for a minimum period which may be 6, 12 or 24 months, this varies from lender to lender. If you are unable to provide audited accounts, the alternative would be self certification. Self-employed people tend to 'shelter' their income as much as possible to avoid tax; therefore the accounts may not reflect their earnings. If you think a self-employed mortgage or a self-certification mortgage may be right for you, please contact us or fill in our enquiry form |
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First Time Buyer Mortgage As a first time buyer, the house buying process can be a daunting experience. With thousands of mortgage deals from which to choose, how do you know which deal is best for you? There are so many factors to take into consideration when taking on a mortgage for the first time. At Bliss Finance, we will provide you with what you need to help make a decision as a first time buyer, by advising and guiding you at every stage of the house buying process. How Bliss Finance can help? Free initial confidential review
Free mortgage illustration
Free Decision in Principle from lender For a friendly and professional service contact us or fill in our enquiry form. |
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Looking back, your mortgage may have been the best deal for your circumstances at the time...But how about now? Has your mortgage deal expired? Are you paying too much? Switch & Save As a home-owner your mortgage payments may be the biggest household cost you encounter. So re-mortgaging is a good way to escape high variable or fixed interest rates, which in turn helps to reduce your monthly payments. There are many logical reasons why you might want to move your mortgage to another lender such as: Recently, the re-mortgage process is much simpler. More lenders offers money-saving options such as free legal and arrangement fees, making the switching of lenders easy. Contact us or call 0800 848 8307 for latest re-mortgage deals. |
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Professional Mortgages are designed exclusively for professional individuals such as doctors, dentists, accountants, solicitors, opticians, veterinary surgeons and pharmacists. The definition of a professional will vary from lender to lender: some lenders may include teachers and nurses as professionals. All applicants must be fully qualified, practicing and registered with the appropriate professional body. The number of lenders looking to lend to a professional mortgage applicant is on the increase, with most lenders generally allowing a professional applicant to borrow more than a non-professional applicant would. There are also some lenders that would lend more money to UK graduates in the same way they would to professionals. If you are a professional or a graduate and would like to find out more contact us or fill in our enquiry form. |
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You may have found a property within your price range, and also like the look and feel of the property. It is situated next to good transport links and the shops are within walking distance. The property is how you envisaged it to be, however the lender you initially approached turned you down due to the property construction type such as: - High Rise Building
- Concrete
- Full Timber
- Pre-Fabricated Building
- PRC (with Certification)
- Non Purpose-Built Flats
- Flats above Shops
- Maisonettes
- Freehold Flats
- Flying Freehold
We have lenders that will lend on these types of property constructions. To find out more information on the above, contact us or fill in our enquiry form. |
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