This is the area where the requirements might be a little bit unusual or the demands and rules from lenders differ considerably. Green Planet Finance will explore all opportunities for the right mortgage for your particular needs.
Your home may be repossessed if you do not keep up repayments on your mortgage
Self Employed or Director Mortgages
Self employed or Director mortgages are generally viewed slightly differently by lenders compared to someone someone with standard employment. Company accounts and/or HMRC self-assessments will be required upon which various calculations are made. Contact us and we can walk you through what is required and what lenders may offer.
Million Pound Plus Mortgages
Are you a high earner looking for a large mortgage? Typically you will need higher deposit percentage or more documentation to prove income. Green Planet Finance will work with Banks and Building Societies who look to lend in this area to find you the most suitable product for your needs.
As long as we can speak to you on UK soil, we can help arrange a mortgage for you in the UK if you're no longer a UK resident. Lenders are available who specialise in this area and with whom we can arrange mortgages to meet your needs.
Contractors generally don't fall into a simple category such as either employed or self-employed individuals. Lenders generally need evidence of this line of work for a period of time and will use your day rates to calculated affordability. We can help find the most appropriate lender to work with your needs.
Poor Credit Mortgages
Poor credit is something which can really harm our ability to find a mortgage whether it be an unpaid parking ticket or bankruptcy. Each of these will be detrimental and stay on your credit file for 6 years. There
are, however, lenders on and off the high street who can work with most scenarios, so get in touch and we will try to help.
Lending into Retirement
Would you like to continue your mortgage into retirement? If you have
public and private pensions there might be and option available to extend your mortgage past your working age. Most lenders have an age of 75 or 80 as a cut off but there are some who will look at slightly longer if the circumstances are correct. This is not equity release or later life advice