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        Employment Types and Mortgages

        It’s possible to get a mortgage in all kinds of uncommon professions. Read through our articles below to learn more about how your employment type can affect your mortgage eligibility.

        What is your employment status?

        No impact on your credit score

        The way you earn a living can have a major impact on your mortgage prospects as lenders tend to favour some employment types over others. For example, you’re likely to have more options if you’re in a PAYE job compared to someone who’s paid in overseas currency.

        While some lenders prefer certain working capacities over others, it’s possible to get a mortgage in all kinds of uncommon professions. Read through our articles below to learn more about how your employment type can affect your mortgage eligibility.

        Employment Types Guide

        A complete overview of the different employment types UK mortgage lenders accept and how to get the best deal based on your trading style.

        Mortgage on benefits

        How to get a mortgage if you’re income is made up primarily of benefits, or you want to use them in addition to a salary.

        Proving Your Income for a Mortgage

        How to prove your income for a mortgage, including what evidence lenders will ask for and how to evidence your mortgage deposit funds.

        Company Director Mortgages

        Learn about the mortgage options available if you’re a company director and find out how to get the best deal if this is how you earn a living.

        Low-Income Mortgages

        How to get a mortgage if you’re on low income, including which support schemes you could apply for and how the right broker can help you.

        Mortgage With a Fixed-Term Contract

        How to get the best mortgage deal if you’re a fixed-term contract worker, plus how the right mortgage broker can make this possible.

        Mortgage Based on Rental Income

        A complete guide for anyone who wants to buy a property using rental income from an investment property for the lender’s affordability assessment.

        Mortgage on Maternity Leave

        How to get a mortgage on maternity leave, covering everything from the lending criteria to getting a deal based on your full-time wage.

        Stipend Mortgages

        Find out how to get the best mortgage deal if you earn stipend income and want to declare it during the lender’s affordability assessments.

        Contractor Mortgages

        A complete rundown of your options if you’re looking for a mortgage as a contractor, covering lending criteria, deposit requirements and much more.

        Mortgages for Students

        How to get a mortgage as a student, what criteria you need to meet and how to access the right advice along the way

        Getting a Mortgage With Foreign Income

        All you need to know if you are applying for a mortgage with foreign income, including how a broker can help with this

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        FCA Disclaimer

        *Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us as well as any of our own are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

        Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.