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Getting a Mortgage As a Construction Industry (CIS) Worker / Subcontractor

by Alex Leppert | Feb 1, 2020 | Uncategorized

                        Getting a mortgage whilst working as a subcontractor or Construction Industry (CIS) Contractor can seem difficult, you may have already been turned down by your high street bank. AL...

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    For our latest content including behind the scenes, latest mortgage rates, property updates & more – follow us on Instagram @almortgagesolutions .

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    Lovely thank you gifts from our clients @phippsyef Lovely thank you gifts from our clients @phippsyefc @laurenwildman after getting the keys to their new home over the weekend! Thank you and goodluck 🏡🥂🎉
    Congratulations to our client @hoppy_c on buying h Congratulations to our client @hoppy_c on buying her new home! Well deserved and thanks for trusting us with the process 🏡🔑🎉
    🎉HAPPY 3RD BIRTHDAY TO US! 🎉 What a journey 🎉HAPPY 3RD BIRTHDAY TO US! 🎉 What a journey its been so far. From 1 man band to 2 advisers & 2 administrators in 3 years. We've not only survived a global pandemic we have been lucky enough to thrive in it! Thank you to everyone who has supported our journey so far. Our amazing introducers and clients. Every word of mouth referral, every like, every share means a lot!🥂🏡🔑
    If you’re looking to purchase a property, either If you’re looking to purchase a property, either as a first time buyer, home mover or investor. You may have been told by an estate agent you need an agreement in principle. Some estate agents (rightly so) won’t allow you to view a property without one. If you’re wondering why, keep reading! What is an Agreement In Principle (AIP)? An agreement in principle is a provisional acceptance for your mortgage. Your mortgage broker will approach the most suitable lender on your behalf. We have access to their sophisticated systems to provide them with your personal details, financial situation and your requirements – they run a credit check and confirm if they’re happy to consider you for a mortgage. Once accepted you’ll receive a certificate confirming how much you can borrow. You can provide this certificate to an estate agent to confirm you’re proceedable. Why do you need an Agreement In Principle (AIP)? An Agreement in Principle will not only give any potential estate agent and seller confidence to agree a sale to you it will give you peace of mind that you are able to obtain a mortgage in advance of you falling in love with your dream home to later find there’s an issue that could have been picked up and resolved earlier on. It also means you’re going to be in a position to act quickly if you do find a property you like. How reliable are they? They’re only worth the paper they’re written on if the information that’s been provided to the lender is accurate. This sounds like common sense and for the most part it is. However, every lender has different criteria, eligibility, acceptable income and employment types, credit scoring thresholds and LTV limits. So, if you’re thinking of doing this yourself or using an online broker that hasn’t seen any of your proof of income / bank statements then think again! You may receive an agreement in principle but when it comes to full application (once you’ve found a house) there’s a good chance your mortgage will be declined. Where can you get an Agreement In Principle (AIP)? As per the above, for an accurate, reliable AIP speak to us first! YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS
    Congratulations to our First Time Buyers Georgia & Congratulations to our First Time Buyers Georgia & Peter completing on their new build on Friday🏡 🎉 Goodluck in your new home, thanks for using us for your mortgage 👏👏
    ➡️ ➡️ ➡️ SWIPE ➡️ ➡️ ➡️ F ➡️ ➡️ ➡️ SWIPE ➡️ ➡️ ➡️ First Time Buyer Process A very brief summary of the steps to secure your first home. We are here to guide you through the process at every stage. Whether you plan to buy now or in 12 months time the first step is to get in touch with your mortgage broker. 📱0151 459 9826 📧info@almortgagesolutions.co.uk YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    Belated congratulations to our first time buyers @ Belated congratulations to our first time buyers @_hannahnugent_ & Mike who completed on the purchase of their stunning home last week 🔑🏡 Thank you 😊
    Congratulations to our wonderful First Time Buyers Congratulations to our wonderful First Time Buyers @chloemanningx @jayyrimmer on their new home 🏡🥂 Thank you for trusting us with your mortgage and insurances. All the best 🔑
    Did you know a lot of online 'Mortgage Brokers' ar Did you know a lot of online 'Mortgage Brokers' aren't fully qualified to give advice? We are fully qualified and more importantly, experienced advisers. Book your free initial consultation and get the right advice first time. 📧 Info@almortgagesolutions.co.uk ☎️ 0151 459 9826 YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    Huge congratulations to our clients @johnatkinson2 Huge congratulations to our clients @johnatkinson2691 & @sarahwormington on buying your gorgeous new home! Thanks for trusting us with the process. Goodluck with the move 🏡🥂🎉🔑
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    AL Mortgage Solutions Ltd
    35 Eccleston Street, Prescot, L34 5QA

    0151 459 9826
    0741 256 3920

    info@almortgagesolutions.co.uk

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    AL Mortgage Solutions LTD is a North West mortgage broker offering professional advice on all aspects of residential mortgage lending.

    We try to help all of our customers based on their individual needs and circumstances to find the perfect Mortgage to suit you.

    YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    As with all insurance policies, conditions and exclusions will apply.
    Buy to Let Mortgages are not usually regulated by the Financial Conduct Authority.
    Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay and early repayment charge to your existing lender if you remortgage.

    AL Mortgage Solutions LTD is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let.

    Our initial mortgage consultation is free. We will charge a fee between £0 and £500 that is payable on application of a mortgage. The amount we will charge is dependent on the amount of research and administration that is required. A typical fee for a purchase is £349.

    AL Mortgage Solutions Registered Office: 54 Sandy Lane, Liverpool, L13 0BT | Registered Company Number: 11312335 Registered in United Kingdom & Ireland

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