{"id":109647,"date":"2019-08-05T13:00:41","date_gmt":"2019-08-05T06:00:41","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/i-want-to-buy-a-home-can-i-get-a-mortgage-now-im-freelance\/"},"modified":"2019-08-05T13:10:43","modified_gmt":"2019-08-05T06:10:43","slug":"i-want-to-buy-a-home-can-i-get-a-mortgage-now-im-freelance","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/i-want-to-buy-a-home-can-i-get-a-mortgage-now-im-freelance\/","title":{"rendered":"I want to buy a home \u2013 can I get a mortgage now I'm freelance?"},"content":{"rendered":"


\nI\u2019m wondering if I should wait until I have two full years of business accountsQ My wife and I are planning to buy our first home some time towards the end of next year. At the beginning of this year (January 2019) I went freelance and while I expect to make more than my previous salary this year and next, I am concerned that this will compromise our ability to get a mortgage. By the time we are ready to apply for a mortgage I will have two years of tax returns, and about 20 months of business accounts.Is it worth delaying buying our first home until I have two full years of business accounts? Or is my freelance career jeopardising our chances of getting a mortgage and I should go back to being an employee in order to improve our chances? Continue reading…
\n
\nSource : theguardian.com
\nRead more…I want to buy a home \u2013 can I get a mortgage now I’m freelance?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

I\u2019m wondering if I should wait until I have two full years of business accountsQ...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-109647","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-swv","jetpack-related-posts":[{"id":133755,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/would-it-be-reckless-to-sell-my-house-in-leeds-and-return-to-renting\/","url_meta":{"origin":109647,"position":0},"title":"Would it be reckless to sell my house in Leeds and return to renting?","date":"January 16, 2023","format":false,"excerpt":"\r I am considering going freelance and moving but know it would affect a mortgage applicationQ After many years of working at the same job in Leeds, I am considering going freelance and moving to a new city. 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My partner and I are having strong arguments over me stopping my pension, which I want to\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":116047,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/ask-the-experts-home-buying-how-can-we-do-the-splits-on-our-mortgage\/","url_meta":{"origin":109647,"position":2},"title":"Ask the experts: home buying | How can we 'do the splits' on our mortgage?","date":"May 4, 2020","format":false,"excerpt":"\r Technically, I own 63.5% of our maisonette and my boyfriend owns 36.5%. But his family gave us a new kitchen. Should I recoup the exact sum I put in?Q I appreciate it\u2019s an unusual time to be concerned with mortgage splits, but my boyfriend and I bought a house\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":108192,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/im-a-first-time-buyer-do-i-earn-enough-to-get-a-mortgage\/","url_meta":{"origin":109647,"position":3},"title":"I'm a first-time buyer \u2013\u00a0do I earn enough to get a mortgage?","date":"June 17, 2019","format":false,"excerpt":"\r I\u2019m worried that the repayments on my help-to-buy loan will count against me with a lenderQ I hope you might be able to provide some insight for me as I begin my (optimistic) search for a first property. I\u2019m 26 years old and single and a couple of years\u2019\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":136690,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/would-not-having-a-permanent-uk-address-affect-my-a-mortgage-application\/","url_meta":{"origin":109647,"position":4},"title":"Would not having a permanent UK address affect my a mortgage application?","date":"May 15, 2023","format":false,"excerpt":"\r I\u2019m renting now but want to spend a year as a digital nomad before trying to buy a houseQ I\u2019m a would-be first-time buyer looking to buy by myself, which I expect to be ready to do in about a year\u2019s time. I\u2019m currently renting in the UK but\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":58210,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/buying-my-own-place-was-an-impossible-dream-heres-how-it-came-true\/","url_meta":{"origin":109647,"position":5},"title":"Buying my own place was an impossible dream \u2013 here\u2019s how it came true","date":"June 17, 2017","format":false,"excerpt":"\r Shared ownership? Buying with a friend? Long commute? For Generation Rent, the options aren\u2019t easy, but it can be doneIf someone had told me at the start of last year that I\u2019d be living in \u2013 scratch that \u2013 owning a two-bedroom loft apartment with a suntrap of a\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/109647"}],"collection":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/comments?post=109647"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/109647\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=109647"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=109647"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=109647"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}