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#alpaca of the week

Here are Yogi and Zach - our new babies - walking nicely on their halters!!

Hopefully when cv19 has passed I can go back to offering office based appointments, and some of you will get to come and meet them (whilst getting your money stuff sorted...obvs...)

How many other financial advisers can offer you that? Zero - according to google!!
... See MoreSee Less

#alpaca of the week

Here are Yogi and Zach - our new babies - walking nicely on their halters!!

Hopefully when cv19 has passed I can go back to offering office based appointments, and some of you will get to come and meet them (whilst getting your money stuff sorted...obvs...)

How many other financial advisers can offer you that? Zero - according to google!!

Timeline Photos ... See MoreSee Less

2 weeks ago

Claire at Blueprint

#alpacaoftheweek

This is Yogi - our other baby - he loves carrot, grass and most food really....
... See MoreSee Less

#alpacaoftheweek

This is Yogi - our other baby - he loves carrot, grass and most food really....

2 weeks ago

Claire at Blueprint

There seems to be this myth that you can't get a mortgage if you're self-employed.

I 've heard it time and time again over the years, and I'd love to re-assure you that business owners can get access to exactly the same range of mortgages as employed applicants - subject to a few important points, and your application being correctly packaged.

1. You must be able to prove your income

This means if you're working cash-in-hand or not putting things through your books, the money does not exist as far as the lender is concerned, and they won't use it when working out how much they will lend you.

The days of self-certification of income are (thankfully) long gone - and a lender will want to see either your accounts, your SA302 (online tax return statement) or get an official reference from your accountant. You should let your accountant know that you are looking to buy a house, as their default working position is 'claim everything and reduce the tax bill' and in practice some costs and allowances can be deferred or not used so that your 'net profit' figure is higher - yes, you'll pay a bit more tax, but it will boost your borrowing capacity.

2. It’s all about the trend!

You normally need 2 or 3 years proof of income to get a mortgage, and to be showing a consistent income or increasing trend. You can do it on one year’s figures and an accountant’s projection with the right lender, but you’ll pay more per month for a special deal like this.

So, if you’re thinking about buying a home or re-mortgaging and you’ve recently set up a business, you need to make sure your figures look as good as they can, as soon as they can.

If you have an explainable dip in your takings, it’s not necessarily a problem, if you approach the right lender.

3. Present your case in the best light

A good financial adviser will be able to look at your accounts and SA302 and work out which makes your case more attractive to a lender. Unless you’re using 5th April as your year end, the figures will be different on paper.

Some lenders will let you use your share of the net profit ( and they don’t mind whether you actually withdrew it as income or left it in the company account for next year) – others will let you use your actual salary plus dividends. Others will let you use salary plus your share of net profit. Choosing the correct lender can be the difference between you getting the loan amount you need, or missing out on your dream home.

I’ve been arranging mortgages for business owners for more than 12 years, so if you have any questions – fire away!!
... See MoreSee Less

There seems to be this myth that you cant get a mortgage if youre self-employed.

I ve heard it time and time again over the years, and Id love to re-assure you that business owners can get access to exactly the same range of mortgages as employed applicants - subject to a few important points, and your application being correctly packaged.

1. You must be able to prove your income

This means if youre working cash-in-hand or not putting things through your books, the money does not exist as far as the lender is concerned, and they wont use it when working out how much they will lend you.

The days of self-certification of income are (thankfully) long gone - and a lender will want to see either your accounts, your SA302 (online tax return statement) or get an official reference from your accountant. You should let your accountant know that you are looking to buy a house, as their default working position is claim everything and reduce the tax bill and in practice some costs and allowances can be deferred or not used so that your net profit figure is higher - yes, youll pay a bit more tax, but it will boost your borrowing capacity.

2. It’s all about the trend!

You normally need 2 or 3 years proof of income to get a mortgage,  and to be showing a consistent income or increasing trend. You can do it on one year’s figures and an accountant’s projection with the right lender, but you’ll pay more per month for a special deal like this.

So, if you’re thinking about buying a home or re-mortgaging and you’ve recently set up a business, you need to make sure your figures look as good as they can, as soon as they can.

If you have an explainable dip in your takings, it’s not necessarily a problem, if you approach the right lender.

3. Present your case in the best light

A good financial adviser will be able to look at your accounts and SA302 and work out which makes your case more attractive to a lender. Unless you’re using 5th April as your year end, the figures will be different on paper.

Some lenders will let you use your share of the net profit ( and they don’t mind whether you actually withdrew it as income or left it in the company account for next year) – others will let you use your actual salary plus dividends. Others will let you use salary plus your share of net profit. Choosing the correct lender can be the difference between you getting the loan amount you need, or missing out on your dream home.

I’ve been arranging mortgages for business owners for more than 12 years, so if you have any questions – fire away!!

Comment on Facebook

Thank you as I will be looking for a mortgage in the next few months

THANKS Claire Sweet great advice ✅✨

3 weeks ago

Claire at Blueprint

#alpacaoftheweek

This is Zach - nearly a year old - one of our lovely and inquisitive babies!

He's a Huacaya - like Paladin - so he'll have a fleece that is fluffy - not like our other boys - who being Suris have fleece that hangs in dreadlock-type curls.

Isn't he lovely?
... See MoreSee Less

#alpacaoftheweek

This is Zach - nearly a year old - one of our lovely and inquisitive babies!

Hes a Huacaya - like Paladin - so hell have a fleece that is fluffy - not like our other boys - who being Suris have fleece that hangs in dreadlock-type curls.

Isnt he lovely?

3 weeks ago

Claire at Blueprint

We love helping first-time buyers get into their first homes - especially when it's one of your own (step)children going out into the world of home ownership.

So if you're looking for someone to hand-hold your (now grown up) child into a place of their own, and you're ready to reclaim your spare room - please get in touch and we can chat about options available.

Book an intro call here >> peacetogetherbookings.as.me/initial
... See MoreSee Less

We love helping first-time buyers get into their first homes - especially when its one of your own (step)children going out into the world of home ownership.

So if youre looking for someone to hand-hold your (now grown up) child into a place of their own, and youre ready to reclaim your spare room  - please get in touch and we can chat about options available.

Book an intro call here >> https://peacetogetherbookings.as.me/initial

3 weeks ago

Claire at Blueprint

There seems to be this myth that you can't get a mortgage if you're self-employed.

I 've heard it time and time again over the years, and I'd love to re-assure you that business owners can get access to exactly the same range of mortgages as employed applicants - subject to a few important points, and your application being correctly packaged.

1. You must be able to prove your income

This means if you're working cash-in-hand or not putting things through your books, the money does not exist as far as the lender is concerned, and they won't use it when working out how much they will lend you.

The days of self-certification of income are (thankfully) long gone - and a lender will want to see either your accounts, your SA302 (online tax return statement) or get an official reference from your accountant. You should let your accountant know that you are looking to buy a house, as their default working position is 'claim everything and reduce the tax bill' and in practice some costs and allowances can be deferred or not used so that your 'net profit' figure is higher - yes, you'll pay a bit more tax, but it will boost your borrowing capacity.

2. It’s all about the trend!

You normally need 2 or 3 years proof of income to get a mortgage, and to be showing a consistent income or increasing trend. You can do it on one year’s figures and an accountant’s projection with the right lender, but you’ll pay more per month for a special deal like this.

So, if you’re thinking about buying a home or re-mortgaging and you’ve recently set up a business, you need to make sure your figures look as good as they can, as soon as they can.

If you have an explainable dip in your takings, it’s not necessarily a problem, if you approach the right lender.

3. Present your case in the best light

A good financial adviser will be able to look at your accounts and SA302 and work out which makes your case more attractive to a lender. Unless you’re using 5th April as your year end, the figures will be different on paper.

Some lenders will let you use your share of the net profit ( and they don’t mind whether you actually withdrew it as income or left it in the company account for next year) – others will let you use your actual salary plus dividends. Others will let you use salary plus your share of net profit. Choosing the correct lender can be the difference between you getting the loan amount you need, or missing out on your dream home.

I’ve been arranging mortgages for business owners for more than 12 years, so if you have any questions – fire away!!
... See MoreSee Less

There seems to be this myth that you cant get a mortgage if youre self-employed.

I ve heard it time and time again over the years, and Id love to re-assure you that business owners can get access to exactly the same range of mortgages as employed applicants - subject to a few important points, and your application being correctly packaged.

1. You must be able to prove your income

This means if youre working cash-in-hand or not putting things through your books, the money does not exist as far as the lender is concerned, and they wont use it when working out how much they will lend you.

The days of self-certification of income are (thankfully) long gone - and a lender will want to see either your accounts, your SA302 (online tax return statement) or get an official reference from your accountant. You should let your accountant know that you are looking to buy a house, as their default working position is claim everything and reduce the tax bill and in practice some costs and allowances can be deferred or not used so that your net profit figure is higher - yes, youll pay a bit more tax, but it will boost your borrowing capacity.

2. It’s all about the trend!

You normally need 2 or 3 years proof of income to get a mortgage,  and to be showing a consistent income or increasing trend. You can do it on one year’s figures and an accountant’s projection with the right lender, but you’ll pay more per month for a special deal like this.

So, if you’re thinking about buying a home or re-mortgaging and you’ve recently set up a business, you need to make sure your figures look as good as they can, as soon as they can.

If you have an explainable dip in your takings, it’s not necessarily a problem, if you approach the right lender.

3. Present your case in the best light

A good financial adviser will be able to look at your accounts and SA302 and work out which makes your case more attractive to a lender. Unless you’re using 5th April as your year end, the figures will be different on paper.

Some lenders will let you use your share of the net profit ( and they don’t mind whether you actually withdrew it as income or left it in the company account for next year) – others will let you use your actual salary plus dividends. Others will let you use salary plus your share of net profit. Choosing the correct lender can be the difference between you getting the loan amount you need, or missing out on your dream home.

I’ve been arranging mortgages for business owners for more than 12 years, so if you have any questions – fire away!!

4 weeks ago

Claire at Blueprint

#alpacaoftheweek

Alpacas are herd animals and to keep safe, tend to keep together.

If they see or hear something unusual, they'll all turn to look - they can see up to 1 mile into the distance, so often we can't even see what they're looking at!

Like the 3 muskateers!!
... See MoreSee Less

#alpacaoftheweek

Alpacas are herd animals and to keep safe, tend to keep together.

If they see or hear something unusual, theyll all turn to look - they can see up to 1 mile into the distance, so often we cant even see what theyre looking at!

Like the 3 muskateers!!

4 weeks ago

Claire at Blueprint

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4 weeks ago

Claire at Blueprint

Do you want your ex-husband to get your pension if you die? How about your parents? No?...

If you set a pension up when you first started work, you would have filled out a nomination form to say who was to benefit when you die. If you've not looked at it in years, it may not reflect your current wishes.

With modern pension freedoms, there are more choices as to who gets your money - it no longer has to be a spouse.

Some old company schemes can ONLY go to a spouse or civil partner, and if you're single or divorced - your pot dies with you! 😨😨

With the new schemes, you can leave it to a person (or charity) of your choice - even in the form of a pension - so that it is tax efficient - and they can't blow it all on junk in their youth! 😀

Who gets your pension when you die? Time to check❓❓❓
... See MoreSee Less

Do you want your ex-husband to get your pension if you die? How about your parents? No?...

If you set a pension up when you first started work, you would have filled out a nomination form to say who was to benefit when you die. If youve not looked at it in years, it may not reflect your current wishes.

With modern pension freedoms, there are more choices as to who gets your money - it no longer has to be a spouse.

Some old company schemes can ONLY go to a spouse or civil partner, and if youre single or divorced - your pot dies with you! 😨😨

With the new schemes, you can leave it to a person (or charity) of your choice - even in the form of a pension - so that it is tax efficient - and they cant blow it all on junk in their youth! 😀

Who gets your pension when you die? Time to check❓❓❓

1 month ago

Claire at Blueprint

#Alpacaoftheweek Where it all started!

The eagle-eyed of you will realise that this is actually a llama, not an alpaca - but here he is at Machu Picchu when I walked the inca trail to raise money for the Kent Air Ambulance in 2009.

It was thenthat my interest was first sparked - and it led us to where we are now, on a 4.5 acre plot with a small herd of our own.

You can build your dream too - message me and let's chat about how...
... See MoreSee Less

#Alpacaoftheweek Where it all started!

The eagle-eyed of you will realise that this is actually a llama, not an alpaca - but here he is at Machu Picchu when I walked the inca trail to raise money for the Kent Air Ambulance in 2009.

It was thenthat my interest was first sparked - and it led us to where we are now, on a 4.5 acre plot with a small herd of our own.

You can build your dream too - message me and lets chat about how...
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