A contractor mortgage is based on your employment position and would be defined by you having a contract which includes a start date, an end date and a specified day/ weekly rate.
How do I present my income as a contractor?
At Hawke FS we understand the complexities of contractor income.
We have experience in dealing with contractors, scenarios such as:
- Day rate / Fixed term contractors
- Limited company directors
- Media / Film
Most important is how income should be presented to a lender.
In some instances, if you have less than 12 months history but a good track record in the industry for example we can look at presenting niche lending propositions to the right lender’s.
IR35 rules may contribute to a contractor being considered employed and subsequently returning to contracting which is something that can be considered.
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