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Financial Services for Contractors Contractor Pensions, Contractor Mortgages and Income Protection (PHI) - get online quotes and advice today. |
IT Contractor Financial Services
Guides to the financial products available to contractors - including:
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Latest Financial Services Updates
FSA to tighten mortgage lending rules
The FSA has outlined its plans to make the process of applying for a mortgage more stringent. There are fears that the self-employed (contractors included) may find it even harder to secure a mortgage loan.
(Jul 19, 2010 in Money / Investing )
Guide to IT contractor mortgages
IT contractor mortgages - how to get the best deals based on your contract rate. Includes an online mortgage enquiry form.
(Jun 15, 2010 in Money / Investing )
How IT contractors can deal with late payment problems
What to do if your end client or agency doesn't pay your IT contractor invoices on time - how to tackle late payment.
(May 10, 2010 in Money / Investing )
Contractor mortgages - steps to buying a new property
For contractors thinking of buying a new property, there are a number of typical stages you can expect to pass through from securing a mortgage offer, to completing on your new home.
(Apr 26, 2010 in Money / Investing )
How offset mortgages can offer flexibility to contractors
Offset mortgages can offer great flexibility for contractors, and can also save tax. An overview of what offset mortgage are, and how best to make use of them.
(Apr 14, 2010 in Money / Investing )
Get a contractor mortgage based on your contract rate alone
How using a contractor specialist will help you take out a mortgage based on your contract rate alone.
(Mar 20, 2010 in Money / Investing )
IT contractor pensions - introduction and quotation
An introduction to IT contractor pensions. Pensions are big news whether inside and outside of IR35 as they represent one of the few remaining tax breaks available to contractors.
(Mar 18, 2010 in Money / Investing )
What is the outlook for the contractor mortgage market in 2010?
Many contractors thinking about taking out a mortgage (or re-mortgage) over the past two years will have been more aware than most about the increased scrutiny with which lenders view mortgage applications. So, what is the outlook for the contractor mortgage market in 2010?
(Jan 4, 2010 in Money / Investing )
Offset contractor mortgages in the post-crunch world
The mortgage market has changed markedly in the post 'crunch' world. Offset mortgages represent good value for many contractors.
(Dec 2, 2009 in Money / Investing )
Self cert mortgage ban penalises would-be entrepreneurs
Following on from the FSA's proposals to ban 'self cert' mortgages, the ACCA has said that such changes would have serious implications for many would-be entrepreneurs, including contractors.
(Oct 21, 2009 in Money / Investing )
Will FSA 'self cert' lending ban affect contractor mortgages?
How will the proposed ban of 'self cert' mortgages by the FSA affect the IT contractor mortgage market?
(Oct 19, 2009 in Money / Investing )
How to open a limited company bank account
If you are a limited company contractor, one of the first things you need to do is open a dedicated business bank account. We look at the steps you need to take complete the process.
(Aug 27, 2009 in Money / Investing )
Recession could delay retirement for some contractors
As the weak economy impacts retirement planning for many, how contractors could benefit from the tax breaks offered by pensions.
(Aug 20, 2009 in Money / Investing )
IT contractors and inheritance tax (IHT) planning
With careful planning, IT contractors can avoid falling into the much-hated inheritance tax (IHT) net.
(Aug 12, 2009 in Money / Investing )
Financial services for IT contractors and freelancers
An overview of the key financial products on offer to IT contractors, including contractor mortgages, pensions, income protection, life cover and critical illness cover.
(Jun 26, 2009 in Money / Investing )
Is it time to fix your contractor mortgage rate?
Contractors with initial fixed or discounted mortgage schemes that have now come to an end are being urged to consider current low fixed rates before they begin to rise again.
(Jun 12, 2009 in Money / Investing )
How contractors whould deal with late paying clients
As the recession deepens, the number of businesses who have suffered late payment problems has rocketed. What should contractors do if their agency or client fails to pay on time?
(Jun 10, 2009 in Money / Investing )
Financial planning tips for IT contractors
A new tax year is a good time for contractors to review their finances. We look at how contractors can save money on everything from mortgages and ISAs to household and utility expenditure.
(May 7, 2009 in Money / Investing )
Contractor pension tax hike ahead as tax relief cut from 2011
In Budget 2009, the Chancellor announced that higher rate tax relief on pension contributions will no longer be available from April 2011 if you earn over 150k per year.
(Apr 24, 2009 in Money / Investing )
Are Cash ISAs a worthwhile investment for contractors?
With interest rates at their lowest in over 300 years, cash savers are taking a hit. Could this sound the death knoll for Cash ISAs?
(Apr 14, 2009 in Money / Investing )
IT contractor pension investment before April 5th
IT contractors still have a few weeks to take advantage of late pension planning opportunities available before the end of the current tax-year.
(Mar 3, 2009 in Money / Investing )
IT contractors warned to credit check clients as "crunch" bites
Some practical advice for contractors to ensure that they protect themselves from late paying or non-paying clients
(Jul 2, 2008 in Money / Investing )
IT contractor mortgages - how much can you borrow?
Mortgage calculator for IT contractors which works out both repayment and interest only payments for a variety of interest rates.
(May 8, 2007 in Money / Investing )
IT contractor pension tax relief rules
HMRC have accepted that employer contributions by contractor's one-man limited companies should be universally eligible for tax relief.
(Feb 20, 2007 in Money / Investing )
Choosing an IT contractor bank account
An IT contractor guide to selecting the right business bank account. Get the best rates and avoid the most fees.
(Feb 15, 2007 in Money / Investing )
IT contractors and the buy-to-let mortgage boom
How IT contractors have benefited from the buy-to-let mortgage boom, and how to take advantage of current market conditions.
(Oct 30, 2006 in Money / Investing )
"A Day" - IT contractor pensions - new rules for investing
'A' Day (Appointed day) arrived on 6th April 2006 and brought with it sweeping and radical changes for contractors looking to invest in a pension, either via a one-man limited company or personally.
(May 8, 2006 in Money / Investing )
