Mortgage Brokers Edinburgh


As we see more and more people taking up work as a “contractor” it begs a more frequent question about can I still obtain a mortgage. The answer is Yes with the correct advice and guidance.

Lothian Mortgage Services comes with a wealth of experience with dealing with all different types of contract workers. Please get in touch today for a free no obligation discussion.

Types of contract workers

  • ​Umbrella Companies
  • Agency Workers
  • Employed fixed contract and short term contracts
  • ​​Zero Hour Contracts
  • Self Employed

Examples of Contract workers

  • People who are paid and taxed by a recruitment company on short term contracts.
  • Sole Traders that are self-employed and submit self assessment forms to Inland Revenue’
  • Limited companies are often sole traders whose business income and turnover has made it beneficial for tax reasons to set up a Limited company.
  • Umbrella Company often a sole trader who for tax purposes use the Limited company for Tax efficiency but are paid and taxed by a third party the “umbrella company’.

Zero Hour contract workers a large percentage work in the hotel and catering services and the health service. Often this is the chosen way to earn a living due to the flexibility of hours and in many cases people have been working for the same company for more than one year.

If you are in one of the above categories and wish other information please don’t hesitate to contact me by email, phone or filling in our ​enquiry form.

Contact Us!

If you would like to contact us, you can use the contact details below or the contact form provided.

Address

Lothian Mortgage Services
3 Chuckethall Place, Deans
Livingston
United Kingdom
EH54 8AN

0131 212 5006

KENLMS@HOTMAIL.CO.UK

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