Handelsbanken Contractor Mortgages - Help and FAQs
Here at LENDERmonitor we receive regular similar questions from visitors enquiring about whether Handelsbanken offer contractor mortgages. We collated some of the more common contractor mortgage questions but if you have any specific questions about Handelsbanken and contractor mortgages please complete our enquiry form and we see if we can arrange for an expert to contact you directly.
What is current approach to contractor mortgages and Handelsbanken? I am a contractor but my OH has a permanent job. Will Handelsbanken take my salary should we make an application in both our names?
I am a finacial contractor looking to buy a home in Nottingham. My next step is to secure a mortgage preferably from Handelsbanken. Should I contact Handelsbanken directly or seek the services of a contractor specialist mortgage broker who is used to dealing with contractors and Handelsbanken.
My wife and I are soon to submit for our first mortgage application with Handelsbanken. Later this year I start working as a contractor. My wife is time employed as an accountant and does have a six figure income. Is it going to be a case of just getting a non-contractor mortgage with Handelsbanken in my wife’s sole name?
I am finding the process of looking for a contractor mortgage very frustrating. There doesn't seem to be many lenders who really understand my situation and the peculiarities of being a contractor. Are there any mortgage underwriters who apply a common sense to ensure getting a contractor mortgage is as straightforward as possible.
My research online suggests that mortgage lenders in the main view contractors as high risk applicants; so require 3 years’ accounts to substantiate mortgage affordability. In my case as a media contractor, this evidence is unlikely to reflect an accurate picture of my income potential. Will a contractor-focused mortgage broker persuade lenders such as Handelsbanken to offer funds on the more realistic basis of my contracted rate.
The content set out above is in relation to properties in England and Wales.
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