Mortgages
Finding and securing the perfect mortgage as a self-employed person can be quite challenging, but this is exactly what our expert advisers do, day in, day out. Find out how our team can help you with a wide range of different mortgage products.
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For anyone working within the banking industry, securing property finance can be quite difficult and frustrating. The main issue that many investment bankers encounter is that many high-street lenders don’t view your earnings and income in their entirety, including levels of varying income streams, foreign income, bonuses and shares.
At Active Mortgages, our expert advisors understand all of these complexities, which enables us to approach the most appropriate lenders on your behalf, armed with the knowledge and information to secure a mortgage offer.
Over the past few years the banking industry has faced tightening regulations and increased scrutiny from government watchdogs which has lead to many banks restructuring the ways in which employees are remunerated. This changes have seen a switch to higher basic salaries and a reduction in bonuses, or a deferred bonus payment structure via stock options for many investment bankers.
Our team of expert mortgage advisers fully understand the treatment of bonus income when it comes to mortgage applications and are always up-to-date with the latest lending criteria within this industry.
Book a call with one of our advisers and find out how we could help you, no matter your circumstances.
Mortgages can be quite tricky to get your head around and figure out; what documents you need, what you need to pay, who needs to sign what, and how much money you really need to borrow.
While our specialist banking sector mortgage advisers also require a lot of this information, they have expert knowledge of the mortgage market, enabling them to minimise the amount of time you spend on the phone and in meetings.
What you need to prepare to make your mortgage application depends on your circumstances. Your initial consultation with Active Mortgages will ascertain those circumstances and what they mean for your mortgage application.
For any new mortgage application you are going to need to show proof of earnings, either as an individual or through your business accounts. Gather as much of this information as you can, particularly as a someone that receives varying income, bonuses and shares.
A key area which affects all mortgage applicants is credit history. If your credit rating is not as strong or healthy as it could be, spend time doing everything you can to improve this before applying for a mortgage. This is an important indicator to mortgage providers that you are a good investment for them. The higher your credit the better rate and deal you are likely to receive.
Your mortgage advisers at Active Mortgages are here to assist you in finding the property of your dreams and look forward to helping investment bankers like you make it happen. Arranging a consultation is quick and easy. Simply fill out our contact form and a member of the banking sector mortgage team will be in touch.
7 ways
to invest in your future with a mortgage tailored to your goals
Trust our team to find the perfect mortgage for your budget and lifestyle.
Trust our team to find the perfect mortgage for your budget and lifestyle.
EXCELLENT Based on 100 reviews Daniel Couchman12 January 2024 This review is long overdue - Active mortgages got us our dream home! I spoke with around 7 different brokers from different companies which didn’t know what they were talking about but then I found Simon at active - he was straight to the point and got us the best deal and the highest amount possible. I got a bit impatient at one point but that was due to the banks taking ages to process everything - active were calm and reassured us. Highly recommended. Excellent from start to finish Even sent us a gift for Xmas - thank you! Meena Kanagavel2 January 2024 Jamie Murray from Active Mortgages has been amazing in setting up the VAT loan, whilst we purchased our Land. Right from the start, Jamie has been proactive in finding the correct (BEST) deals for us and ensured everyone is aligned to complete on time. Highly recommend using Active Mortgages, and we would certainly be using them again for future projects.Thanks once again Jamie for all your support throughout Dec, appreciate your efforts in making sure our purchase was done on time. Many thanks Meena (and Mark Jones) Stefan Stancila21 December 2023 Comprehensive advice from Jamie & easy communication through remortgage process . Recommend! Yasmin Bates20 December 2023 Jamie has made the whole process of buying a house very straightforward, especially for self employed. Would 100% recommend and would use again too! Gerard19 December 2023 Good experience, helped us every step of the way. darren john coggins12 December 2023 Dan has been great from start to finish. As a first time buyer it can be quite overwhelming and confusing but Dan has went above and beyond. His process was very easy, efficient and we could not recommend him enough! FUNMI AKINLAMI7 December 2023 Excellent service, hard working staff akinlami akinwale7 December 2023 Excellent service, very patient and willing to help staff Michael Bennett5 December 2023 Dan has been great from the first phone call. He has made everything simple and taken the time to explain everything to me as a first time buyer, answering any questions I have along the way, highly recommend james whitaker31 October 2023 Great professional service highly recommended for anything financial
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