Helping Content Creators on their property journey
Content creators, like many self-employed professionals, may find it challenging to qualify for traditional mortgages because of their irregular income, lack of employment forms, and high levels of personal and business expenses that can reduce their tax liability.
However, at The Protection Parent we understand this is a massively growing industry with great income rewards that can’t be ignored. We are here to help and support you to find the specific lenders out there who are more understanding of your position as a content creator and help you get the mortgage you deserve without any added stress. It’s important to a lender that your income hasn’t just spiked for one year and then suddenly drops to the next if the content is no longer relevant.
As content creators are still a relatively new occupation that lenders might not fully understand, you’ll likely be classed as similar to a self employed applicant. If so, you may need to show 1-2 years of accounts when applying for a mortgage. This means you will have to prove income is being generated and it will continue to do so in the future. We will advise you on the best way to report your income that will benefit your chances of getting approved.
Even if you don’t have accounts that go that far back we are here to help you find lenders that consider alternative methods of verifying income, such as bank statements, tax returns, tax overviews, SA32s, invoices, and contracts. These loans may require larger deposits than conventional loans, but they may offer more flexible underwriting guidelines and more accommodating debt-to-income ratios.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Supporting your property journey
The amount of deposit that you’ll need to get a mortgage as a content creator is the same as any other applicant in a different profession. Sometimes residential mortgages can be obtained with as little as 5% deposit.
To get the professional advice that you need to find the correct lender for your content creator mortgage, contact our mortgage advisor at The Protection Parent today.
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