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Self-employed mortgages and financial products

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Credit score to take a hit if you apply for mortgage payment deferral

Katherine Steiner-Dicks Nov 1, 2020

Banks and building societies in the UK have agreed with regulators and HM Treasury to extend the provision of mortgage payment deferrals of up to a maximum of six months in the light of the tightened Covid-19 restrictions announced by the…

Mortgage lenders penalise self-employed and business owners ‘on status’ regardless of…

Staff Reporter Oct 12, 2020

Self-employed people can no longer borrow as much as full-time workers when they take out a mortgage with NatWest, it was reported by The Times. The bank allows employed workers to borrow five times their salary, but has decided that…

‘Bounce Back’ mortgage responds to self-employed application woes

Katherine Steiner-Dicks Jul 14, 2020

More red tape on the cards for self-employed mortgage applicants. The UK’s five million self-employed will have to go through more loops and provide more account information when applying for a mortgage following post-COVID market…

“Shambolic”: experts explain the consequences of cutting tax-free pension cash

Staff Reporter Oct 10, 2024

Rumours have been swirling that the Chancellor might be considering a cut to the tax-free lump sum allowance on pensions in the upcoming Budget. If such a measure were implemented, it could have far-reaching consequences, not only reducing…

Autumn Budget 2024: freelancers and small business owners reveal their biggest fears

Staff Reporter Oct 7, 2024

As the 2024 Autumn Budget approaches, small business owners and freelancers across the UK are anxiously awaiting the Chancellor's announcements on 31 October. With the economy in a delicate state, certain policy changes could be disastrous…

Charities coming after £800m in dormant pension, bank, and investment accounts

Staff Reporter Aug 3, 2024

£880 Million in Lost Investments to Fund Charities, But Don't Panic Yet The Financial Conduct Authority (FCA) has announced new rules to expand the Dormant Assets Scheme, unlocking an estimated £880 million from forgotten investment…

Labour’s VAT raid on school fees: Tips on how parents can manage a 20% hike in education costs

Staff Reporter Jul 9, 2024

Discover expert tips for managing rising school fees, including VAT impacts and financial planning strategies for parents The Labour Party is in power and that means it will introduce VAT on private school fees starting from September…

Former Tory Voters Among 5 Million “Wildcard Undecideds” Left to Vote with Gut and…

Katherine Steiner-Dicks Jun 27, 2024

The lack of transparency from political parties on their plans for economic growth—whether through spending cuts or increased taxes—makes it hard for voters to decide who to support on July 4th. Will they be left to vote based on gut…

Freelancers must prep for a Labour win

Katherine Steiner-Dicks May 23, 2024

The Labour Party's proposed ban on zero-hour contracts has sent ripples through the recruitment industry and freelance sector. With the potential for significant changes to hiring practices, both companies and independent workers are…

More lending options now open to self-employed

Staff Reporter May 19, 2024

Self-employed individuals looking for additional funds for a special project or unexpected expense now have more lending options. Pepper Money, a specialist lender in the U.K., has relaxed its criteria for second-charge mortgages, making…

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