Habito Contractor Mortgages - Help and FAQs
Here at LENDERmonitor we receive regular similar questions from visitors enquiring about whether Habito offer contractor mortgages. We collated some of the more common contractor mortgage questions but if you have any specific questions about Habito and contractor mortgages please complete our enquiry form and we see if we can arrange for an expert to contact you directly.
I have retained an IFA concerning my remortgage because I have just won a fixed term contract of four years (on a grad scheme). My contract started date this year. I am seeking a three year fixed rate mortgage. Property worth £200,000, I want to borrow 132K. I bought the property four years ago for 138K and I currently owe 165k to Habito
For some 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 Habito in his name using our joint deposit and for me to be added at a later date?
What is current approach to contractor mortgages and Habito? I am a contractor but my hubby has a permanent job. Will Habito take my salary if we make a joint application?
I am finding the process of trying to obtain a contractor mortgage very 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.
Notwithstanding that I am a contractor (freelance journalist) do I really need to have three years of accounts in order to apply for a mortgage with lend? Do Habito even grant mortgages to contactors ?
The content set out above covers to properties in England and Wales.
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