No matter what sector you work in, there’s specialist mortgages out there to suit you. It’s a little know fact that within the UK you can arrange a mortgage via a specialist route if you’re self-employed, a contractor, a Doctor, a Company Director…. you can get a Director’s mortgage with dividends if you are a limited company shareholder.
In fact, whatever job you do, there’s likely to be a specialist mortgage for you.
It’s also true that whatever type of home you’re looking for, there’s likely to be a specialist online estate agent who can help with your move.
First choose your area
Tied into the area you currently live in? Not tempted to quit your job, pack your bags and move to the other side of the country – or the world?
Then the chances are you already know the good and not-so-good areas to buy a house in. (Remember, some of those not-so-good areas could be the ones that see vast and significant increases in property values over the coming few years, so be sure you’re not missing out on a bargain and an opportunity to earn a lot of money for yourself).
If you’re moving further afield
Get visiting, and get researching. The internet is pretty much your best friend these days as a research tool on just about every topic imaginable, house buying included. There’s no substitute for getting out there and visiting your new area though, because how else will you know which pub you like best, which park you like best etc.
Property searching
It’s pretty much a given that you’re going to search for a property online – unless you’re already living in the area and you’ve literally driven past your dream house. For most of us, house hunting starts with an online property search at the big UK house search sites.
If you’re visiting the area you want to buy in though, pop in and see your local estate agents. You might find a listing that hasn’t yet gone onto the websites, and you might be the first person to find out about the property.
Know your budget
Before you spend loads of time property hunting, know what budget you have to play with. It’s pretty easy to calculate what mortgage you can afford/are likely to be offered – and, if you are confused, make sure it’s one of the first questions you ask your mortgage broker.
There’s no point ‘window shopping’ outside of your budget range, so make sure you’re looking at the properties you can afford. There’s an almost unlimited choice in property price range in all but the most exclusive areas of London right now, so you shouldn’t have any trouble finding a home at the right price in the right area.
So, whether you’re a company director or not, you can fairly simply and easily find and buy a house in the UK. Sure there’s a bit of leg-work involved, but the pay-off once you’re in your fabulous new house will be totally worth it.
