{"id":80220,"date":"2018-02-17T14:00:08","date_gmt":"2018-02-17T07:00:08","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/self-employedheres-how-to-get-a-mortgage\/"},"modified":"2018-02-17T14:02:49","modified_gmt":"2018-02-17T07:02:49","slug":"self-employedheres-how-to-get-a-mortgage","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/self-employedheres-how-to-get-a-mortgage\/","title":{"rendered":"Self-employed?\r\nHere\u2019s how to \r\nget a mortgage"},"content":{"rendered":"


\nA third of people think lenders are biased against them, but there are ways to win them overThe number of people who are self-employed has increased dramatically since 20001, jumping from 3.3 million to 4.8 million. Do their precarious earnings mean they can\u2019t get mortgages? Will they be treated as second-class citizens by the lenders? Sadly that will be the case for many, especially those in the low-paid \u201cgig economy\u201d. But don\u2019t give up all hope: those who have more dependable earnings, and, crucially, good records of their income, can still land a decent deal.Firstly, let\u2019s demolish the myth that there is a category of loans called the \u201cself-employed\u201d mortgage. People who work for themselves are able to get the same rates as everyone else; the problem is, they have more complex incomes and must be able to prove their earnings. Continue reading…
\n
\nSource : theguardian.com
\nRead more…Self-employed?
\nHere\u2019s how to
\nget a mortgage<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

A third of people think lenders are biased against them, but there are ways to...<\/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-80220","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-kRS","jetpack-related-posts":[{"id":4405,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/im-a-contract-worker-in-a-school-and-no-lender-will-give-me-a-mortgage\/","url_meta":{"origin":80220,"position":0},"title":"I'm a contract worker in a school, and no lender will give me a mortgage","date":"February 11, 2016","format":false,"excerpt":"\r My partner and I earn good incomes but lenders only consider me employed during term time, discounting the paid charity work I do in the summerQ We are having real problems getting a mortgage. My partner is a self-employed builder who has the necessary two years\u2019 tax forms to\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2855,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/fca-warns-against-self-cert-mortgages-from-overseas-lenders\/","url_meta":{"origin":80220,"position":1},"title":"FCA warns against self-cert mortgages from overseas lenders","date":"January 27, 2016","format":false,"excerpt":"\r Borrowers will have no UK protection if things go wrong, cautions regulator, just days after launch of Selfcert.co.uk in Czech RepublicThe City watchdog has issued a warning to people considering taking out a self-certification mortgage from a company based outside the UK.Days after a new lender based in the\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2118,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/are-you-a-mortgage-misfit\/","url_meta":{"origin":80220,"position":2},"title":"Are you a mortgage misfit?","date":"March 14, 2015","format":false,"excerpt":"\r Tougher rules mean a growing number of borrowers are finding it hard to get a mortgage. But there are options for those who no longer fit lenders\u2019 criteriaAre you over 45? Self-employed? Divorced and remortgaging late in life? Got your eye on a great ex-council house? Or like the\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":61476,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/weak-mortgage-income-hurts-us-regional-lenders\/","url_meta":{"origin":80220,"position":3},"title":"Weak mortgage income hurts US regional lenders","date":"July 22, 2017","format":false,"excerpt":"\r Higher interest rates hurt earnings of regional banks in the second quarter, mirroring big banks.\r \r Source : cnbc.com\r Read more...Weak mortgage income hurts US regional lenders","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":131763,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/santander-cut-mortgage-offer-because-i-was-pregnant\/","url_meta":{"origin":80220,"position":4},"title":"Santander cut mortgage offer because I was pregnant","date":"November 23, 2022","format":false,"excerpt":"\r Its terms and conditions state it does not discriminateI am eight months pregnant and have had a joint mortgage application rejected after being asked by a Santander customer services agent if I was expecting a child. We currently have a mortgage with Santander and were hoping to port it\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":120362,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/from-the-self-employed-to-those-on-furlough-what-are-the-mortgage-options\/","url_meta":{"origin":80220,"position":5},"title":"From the self-employed to those on furlough, what are the mortgage options?","date":"February 13, 2021","format":false,"excerpt":"\r Number of new deals has risen but rates and terms for different categories of borrower varyThe mortgage world is increasingly being split into winners and losers, with borrowers who are perceived as low-risk being offered some of the lowest rates on record, and the self-employed and those who are\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\/80220"}],"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=80220"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/80220\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=80220"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=80220"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=80220"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}