Umbrella Agency Mortgage Advice
How We Can Help You Apply For A Mortgage Successfully As An Employee Of An Umbrella Company
Here at Optima Services Ltd, we often get asked by prospective applicants … How do I apply for a mortgage as an umbrella company in such a way that my application has high chances of sailing through? This is a tricky question given that the process of making such an application can quickly get complicated.
Note that all mortgage lenders will consider your employment status and current salary before deciding whether to approve or deny your application.
Some of the common areas that potential lenders will query include:
Your Payslip Status
Note that the payslip structure of umbrella companies is different from traditional payslips
Your Tax Payments
Some lenders may want to know why you have no tax details and/or why your tax status may be showing incorrect deductions
Bank Credit Details
Lenders may also want to learn from you why your bank credit information does not match with that of your umbrella company
Should you fail to satisfy the curiosity of potential lenders by clarifying all the queries that they send your way, there is a high likelihood that your mortgage application will be denied. However, you can always rely on us here at Optima Services Ltd to guide you through your mortgage application process.
Here is how we can aid in your endeavours …
We will make your application using employment details that clearly show that you are legitimate employee of Optima Services Ltd. We use a payslip structure that clearly shows the invoice amounts credited to you, your gross salary and tax deductions as well as national insurance deductions. Optima Services Ltd does not operate as a loan scheme which means that only the appropriate tax will be deducted from your salary.
Further, we will also ensure that our company pays your salary directly to your employing agency.
We Are Here to Serve You!!!
As an umbrella company, our team of experts and mortgage partners will always be on the ready to help guide you through a hassle-free mortgage application process. Reach out to us for further information and expert guidance today.
