RBS (One Account) Contractor Mortgages - Help and FAQs
Here at LENDERmonitor we receive regular similar questions from visitors enquiring about whether RBS (One Account) offer contractor mortgages. We collated some of the more common contractor mortgage questions but if you have any specific questions about RBS (One Account) and contractor mortgages please complete our enquiry form and we see if we can arrange for an expert to contact you directly.
For three years now I have been a self employed contractor. Mortgage options are being looked at but it's problematic. Is it worth me considering whether it would be possible for my boyfriend to get the mortgage with RBS (One Account) in his name using our joint deposit and for me to be added at a later date?
What is the situation with contractor mortgages and RBS (One Account)? I am a contractor but my hubby has a permanent job. Will RBS (One Account) take my salary if we make a joint application?
Myself and my fiance are currently about to apply for our first mortgage with RBS (One Account). However, after studying, I've just this month started working as a contractor, although I'm yet to register etc with HMRC. My fiance is full time employed as an accountant, and so does have a healthy salaryfor us to put forward. I was hoping to get some advice on how my contractor status will affect us getting an application approved please?
I am finding the process of trying to obtain a contractor mortgage extremely frustrating. There doesn't seem to be many lenders who really understand my situation and the challenges faced being a contractor. Are there any mortgage underwriters who apply a common sense to ensure getting a contractor mortgage is as straightforward as possible.
How can I make myself more attractive to a lender such as RBS (One Account) when it comes to trying to get a contractor mortgage. I would like to understand the process and requirements to avoid unwelcome surprises.
The above information is in relation to properties in England and Wales.
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