Flex Financial are on-hand to make that transition as easy as possible. We’re focused on delivering a prompt, hassle-free service to allow you to still focus on family life, work and packing!
Our friendly team can work with you to cost out your move to see whether it is possible. We can even point you towards our approved panel of solicitors.
Supporting more complex situations
At Flex Financial, we can navigate the complexity that CIS, self-employed/sole trader status and adverse credit history can bring to mortgage applications.
For construction industry professionals. At Flex Financial we can use your income before tax is deducted to work out how much you can borrow. With CIS we can calculate your borrowing based on your daily rate of pay rather than the profit you report to the taxman. If you have worked in construction for at least 2 years and can provide your last 3 months CIS invoices then we would love to hear from you!
For self-employed and sole traders. Accounts for 2 years is preferred, but, If you have less than 2 years it could still be possible to obtain a mortgage. Most mortgage lenders will average your income but there are some lenders who consider your latest year figures. Also, there are lenders who could consider using your retained profit, salary and dividends, if you’re a Ltd company director and take a low salary and dividends but have a high retained profit.
For customers with bad credit. It’s often possible to obtain a mortgage with a bad credit history, although the options available to you may be limited or not with the lender of your choosing. At Flex Financial we have the experience of what lenders are looking for and what they will consider.
How do we work?
Our fees are fixed and with no hidden surprises. So, you know what you are paying before we proceed with any work. We charge a broker fee of between £295 – £995 payable on mortgage offer. The amount we charge will depend on the amount of research and administration that is required.
Lets chat, and start the process of establishing the right solution for you.
Request free consultation
Post to us
33, Henry Crescent,
Rochford, Essex, SS4 1GU
020 8133 6698
Mortgages and Insurance
Flex Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of Personal Touch Financial Services which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. Flex Financial FCA Number: 915575
Flex Financial Ltd is a company registered in England & Wales (company number 11061765) whose registered office is Sutherland House, 1759 London Road, Leigh On Sea, Essex, SS9 2RZ. Registered Trading address: 33 Henry Crescent, Rochford, Essex, SS4 1GU.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances and the amount of work that needs to be done. Fees will range from £295 to £995. We may charge more for complex cases or adverse credit cases, and will always discuss this, and get your agreement, before proceeding.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. The Financial Conduct Authority does not regulate some forms of Buy to Let, Wills or Trusts.