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Mortgage & Equity Release - Call Us 0117 403 4474

or Book Appointment

2.49% 2 Year Fixed

  • 60% LTV
  • Overall cost for comparison 3.90% APRC

Representative Example: Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed untilfor 26 months after which reverts to HSBC variable rate of 4.04%.

Go to HSBC website »

HSBC 2 Year Fixed

  • Initial Rate 2.94%
  • 95% LTV
  • Overall cost for comparison 4%

Representative Example: 

Mortgage of £100k on property valued at £200k over term of 26 months. Rate fixed for 2 years after which reverts to HSBC variable rate of 4.04%.

Go to HSBC website »

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 2.39%
Rate type: 2.39% Fixed for 2 years
Monthly cost: £797.57 per month
Max LTV: 95%
Product fee: £1,149
Overall cost for comparison: 4.7% APRC
Monmouthshire BS logo 2.39% 2.39% Fixed for 2 years 4.7% APRC 95% £1,149 £797.57 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.49%
Rate type: 2.49% Fixed to 01/10/2024
Monthly cost: £806.60 per month
Max LTV: 65%
Product fee: £995
Overall cost for comparison: 4.5% APRC
Virgin Money logo 2.49% 2.49% Fixed to 01/10/2024 4.5% APRC 65% £995 £300 cashback £806.60 per month get quotes Call direct0330 057 1528 Broker Only Deal
Initial rate: 2.51%
Rate type: 2.51% Fixed to 31/07/2027
Monthly cost: £808.42 per month
Max LTV: 60%
Product fee: £1,499
Overall cost for comparison: 3.6% APRC
HSBC logo 2.51% 2.51% Fixed to 31/07/2027 3.6% APRC 60% £1,499 £808.42 per month get quotes
Initial rate: 2.53%
Rate type: 2.53% Fixed to 01/10/2027
Monthly cost: £810.23 per month
Max LTV: 65%
Product fee: £995
Overall cost for comparison: 4.0% APRC
Virgin Money logo 2.53% 2.53% Fixed to 01/10/2027 4.0% APRC 65% £995 £300 cashback £810.23 per month get quotes Call direct0330 057 1528 Broker Only Deal
Initial rate: 2.54%
Rate type: 2.54% Fixed for 5 years
Monthly cost: £811.14 per month
Max LTV: 60%
Product fee: £490
Overall cost for comparison: 3.5% APRC
first direct logo 2.54% 2.54% Fixed for 5 years 3.5% APRC 60% £490 £811.14 per month get quotes Call direct0808 296 5500
Initial rate: 2.54%
Rate type: 2.54% Fixed for 2 years
Monthly cost: £811.14 per month
Max LTV: 60%
Product fee: £490
Overall cost for comparison: 3.9% APRC
first direct logo 2.54% 2.54% Fixed for 2 years 3.9% APRC 60% £490 £811.14 per month get quotes Call direct0808 296 5500
Initial rate: 2.54%
Rate type: 2.54% Fixed to 31/07/2024
Monthly cost: £811.14 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.9% APRC
HSBC logo 2.54% 2.54% Fixed to 31/07/2024 3.9% APRC 60% £999 £811.14 per month get quotes
Initial rate: 2.54%
Rate type: 2.54% Fixed to 31/07/2025
Monthly cost: £811.14 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.8% APRC
HSBC logo 2.54% 2.54% Fixed to 31/07/2025 3.8% APRC 60% £999 £811.14 per month get quotes
Initial rate: 2.54%
Rate type: 2.54% Fixed to 31/07/2027
Monthly cost: £811.14 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.5% APRC
HSBC logo 2.54% 2.54% Fixed to 31/07/2027 3.5% APRC 60% £999 £811.14 per month get quotes
Initial rate: 2.54%
Rate type: 2.54% Fixed to 02/09/2024
Monthly cost: £811.14 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 4.0% APRC
Santander logo 2.54% 2.54% Fixed to 02/09/2024 4.0% APRC 60% £999 £811.14 per month get quotes Call us0117 403 4474 More details
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Mortgages for Freelancers

Our Freelancer Mortgage Service

Why choose our mortgage service?

Fair Mortgages can provide you with a first class mortgage service. 

Special features of what we offer include:

  • Whole of market service - we work with UK lenders who will lend to freelancers
  • Great Rates! - Access to leading market mortgage rates 
  • Exclusive Deals - exclusive mortgages not available on high street
  • Specialist lenders - who will lend on unusual income streams and contract arrangements
  • Fast turnaround - speak to us today if you need to move quickly
  • We have lenders who will take into account previous credit issues 
  • Looking to raise additional finance? - we have access to a range of innovative finance solutions

To investigate your freelancer mortgage options call our specialist team on 0117 403 4474 or fill in our call back form. 

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

Mortgages For Freelancers

Mortgages for Freelancers

If you are a freelance worker, getting a mortgage is unfortunately not as simple as it used to be in the days before the credit crunch. With self-certification mortgages a thing of the past, and with the addition of tougher new lender rules in the Form of the Mortgage Market review of April 2014, securing a good mortgage deal as a freelancer requires a little more research.

One of the main issues faced by freelancers when it comes to getting a mortgage is proving their income. Because most freelance workers’ earnings cannot be assessed in the traditional way due to a variety of irregular income streams, and other factors, some mainstream mortgage lenders simply reject mortgages applications from freelancers out of hand.

Furthermore, those freelancers who are set up as company directors may find that the advantages of this designation when it comes to tax returns – a low wage with most income dividends, or with most of your assets held in company accounts – can be a problem unless you can find a mortgage broker who is prepared to look past you ‘low’ salary and assess your application based on your company’s net profits.

Mortgages for freelancers – get the best rates

Before you start approaching mortgage lenders as a freelancer, there are several things you can do in order to maximise your chances of acceptance and of getting a good rates. These include:

  • Look for a lender who has experience of mortgages for freelancers – they may be able to assess your application on a case by case basis
  • Make sure you have a recent copy of your contract (or contracts if you take on work from various sources)
  • Have your finances in order before you start – Mortgage lenders will want to see around two years’ worth of accounts plus your most recent SA302 form. This is the tax calculation form that HMRC sends out annually and will show the lender how much tax you owe in a given tax year.
  • Offer a high deposit – the higher the deposit you can put into a property, the less risk the lender is taking on.
  • Make sure your credit record is good

If you are unsure about what mortgage product is suitable for you call us on 0117 403 4474 or request a callback.

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Call 0117 403 4474 or Request Callback to discuss your options as a freelancer

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