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Make sure your credit score/profile is healthy, get a copy of your credit score and pay off as many outstanding debts as you can. Don’t undertake credit searches before looking at a mortgage.
You’ll need 3 months personal and business bank statements, an in-date passport and/or a driving licence, proof of your earnings (contracts or trading accounts if you don’t work via contracts) and proof of your deposit.
Either save, get a gift from direct family, or look at a product like Barclay’s Family Springboard mortgage or Lloyd’s Lend-A-Hand mortgage – these are amongst several products where family members place money in a savings account connected to the mortgage. Generally, the bigger the deposit, the lower the interest rate.
Renovation and renewing your home and your attitude – whether that means moving to a new home or renovating the one you have – can help increase your happiness and wellbeing in your home. Creating spaces that inspire productivity and happiness is instrumental in this new time of work at home.
Fresh air increases the amount of Serotonin that our brains produce – the hormone that makes us happy – which means being outside will make you happier on a chemical level. In a time of lockdowns, refreshing your outdoor space can give you a much needed get-away, right at home.
Creating a separate space just for work is a great way to draw the line between work at home. Sure, working from the sofa sounds like a treat until you start feeling guilty for watching Friends over lunch. Having a home office – or any space you can separate out will help you keep your wires from getting crossed, after all, it’s called work at home not sleep at work.
We’re here to help contractors and other independent professionals get the mortgage they deserve. Call us on. We’re open Monday to Thursday 9 am – 7 pm & Friday 9 am to 5 pm.
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