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How To Calculate Self-Employed Income For Mortgages?




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When self-employed apply for a mortgage, lenders first determine how much to lend to them and examine how much the self-employed generally earn, how much they spend, and how long their income will last.

More income can help the self-employed get mortgages, but that does not necessarily mean they have to have a higher-paying job. Brokers help applicants prove their real income to lenders. On the other hand, assessing self-employed affordability is not easy due to the complexity of their activities. Because the amount they get varies greatly.

For example, some self-employed work daily, while others, to pay lower taxes, consider other legal solutions to pay salaries and bonuses to their managers and employees, making real income less than the amount stated in the tax invoices. This will affect the number of self-employed mortgages and the lenders’ rates and conditions.

10 Important Tips In Calculating Self-Employed Income For Mortgages

Borrowing from lenders familiar with how self-employed works is one of the key steps for the self-employed. Because self-employed are active in various forms such as limited companies, workforce services companies, umbrella companies, LLP companies, etc., each has its requirements, needs and income conditions. Therefore, the lenders must be familiar with how these companies operate to estimate their income accurately. This article mentions ten important points in calculating self-employed income for mortgages.

  1. Finding self-employed friendly lenders – Finding professional and self-employed lenders is one of the most important things for self-employed. Because there are currently few lenders who specialize in these areas, self-employed should also keep in mind that many high street lenders do not have specialized policies for self-employed, and the applications evaluate them like other applicants. This is a problem for the self-employed because they work on a contract basis and do not want to wait too long to get a mortgage.
  2. Average self-employed income – If the self-employed have been working for a long time, lenders often use the self-employed income in recent years as an estimate to calculate their average income. Lenders then use this average to determine the amount of monthly self-employed repayment.
  3. Lowest income in recent years –Lenders may not use their average income method if self-employed income changes dramatically in different years. In these cases, they may consider self-employed income in recent years as self-employed income. They may consider the last year or the lowest year indicative of self-employed affordability in these cases. This may mean that the self-employed can borrow less.
  4. Challenges of getting a mortgage for newcomers – Applying for self-employed mortgages early in the contracting job can be more difficult. However, some solutions can help the self-employed get self-employed mortgages in these circumstances. In this case, lenders often calculate the self-employed income in recent years to estimate their average income.
  5. Calculate the amount of income in a day. Rate – Although many self-employed lenders request a 12- to a 48-month contract, some lenders are willing to calculate their annual self-employed income daily. In this case, lenders calculate the daily self-employed rate and multiply it by the number of days they work per week. The number gets then multiplied by the total number of weeks in the year. However, lenders assume that the self-employed only work 46 and 48 weeks a year.
  6. Pay attention to holidays and intervals between contracts – Some lenders do not consider holidays and intervals between self-employed contracts. Therefore, self-employed working hours will be significantly reduced during the year, greatly reducing the chances of self-employed people getting self-employed mortgages.
  7. Pay attention to other sources of income – Annual salaries, commissions get, bonuses and other self-employed receipts during a year are all considered income of lenders. However, the self-employed must find a lender who takes all of these receipts into account. As a self-employed, the average annual income will be an influential factor in determining the amount of money a self-employed get from lenders.
  8. Debt-to-Income ratio – As a rule of thumb, contractors will get self-employed mortgages at least three times their annual income, and this ratio will average four and a half times their self-employed annual income.
  9. Attention to self-employed assets – Self-employed assets will include properties, stock exchanges, company shares, as well as the bonuses they get, all of which can be taken into account when calculating the number of mortgages they get from lenders.
  10. The Importance of Using a Broker – Lenders take different approaches (income in recent years and daily rates) to assess the affordability of self-employed. Therefore, it is important to prove the actual affordability of the self-employed to get good rates and conditions from the lenders. This process also has many complexities. As a result, self-employed need the advice of experienced mortgage brokers in London who can negotiate with various lenders.

The Path Ahead For Self-Employed

A premier mortgage broker in London is a professional who can communicate with lenders self-employed. Premier mortgage brokers in London have access to many lenders and their products and help the self-employed choose the product that suits their financial status. A premier mortgage broker in London must know which mortgage is right for the self-employed.

In this regard, it is recommended that self-employed consult with self-employed mortgages brokers in London. Because they have enough experience in this field and know self-employed mortgages well, expert AWS Mortgages Advisors will help the self-employed meet the best mortgage requirements while meeting the requirements of high street lenders.

AWS Mortgage advisors have access to lenders who assess self-employed income according to the industry in which they work and carry out the self-employed mortgage application process following the lenders’ terms. AWS Mortgage advisors with years of experience working with self-employed and specialized lenders in this field have extensive information about the product market and deal with different clients daily. They examine different scenarios and introduce the most appropriate mortgage to the self-employed according to the needs and financial goals of the self-employed.

Also, with the guidance of AWS Mortgages specialist advisors, the speed of getting self-employed mortgages will increase because they are fully aware of the requirements of lenders and remind the self-employed of the required documents in advance. Therefore, the mortgage processing and underwriting process will be faster. You can contact our advisors today and make sure they work hard to get your self-employed mortgages.

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What is The Difference Between Branding and Digital Marketing?





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In the dynamic business and marketing space, two fundamental concepts often come to the forefront:

  • Branding.

  • Digital marketing.

Though related, these concepts are distinct in their approach and purpose. Let’s delve into the nuances that set them apart.


Branding is the foundation of your business’s identity. It encompasses your company’s core values, mission, and unique selling propositions. This is what sets you apart from competitors. Think of branding as the personality of your business. It’s reflected in your logo, color scheme, and how you communicate with your audience.


Branding is akin to crafting a brand’s essence, moulding its identity, personality, and consumers’ perception. It’s the art of shaping the overall image, values, and emotional resonance linked to a brand.

But, branding is the tactic through which you demonstrate yourself. Your branding strategy decides how people perceive you in this online world.


Branding hones in on creating and nurturing a robust, recognizable brand identity.

This encompasses defining the brand’s:

  • Mission.

  • Values.

  • Voice.

  • Visual elements (like logos and colour schemes).

  • Unique selling propositions (USPs).

Long-Term Perspective

Branding is a patient, long-term strategy dedicated to forging trust, loyalty, and recognition over time. It involves weaving a consistent, seamless brand experience across all touchpoints, whether online or offline.


The toolkit of branding comprises brand positioning, brand messaging, brand storytelling, brand values, brand equity, and brand guidelines. Together, these elements construct the very essence of a brand.


The ultimate objective of branding isn’t confined to immediate sales. Rather, it’s about laying the foundation for a robust and positive brand reputation that resonates with the target audience. It’s about fostering enduring brand affinity.

Now that you know about branding – it’s time to focus on digital marketing.

Digital Marketing

On the other hand, digital marketing is the active promotion of your business through online channels. It involves strategies and tactics to connect with your target audience, drive traffic to your website, and convert visitors into customers. Digital marketing encompasses various methods, including social media, email, search engine optimization (SEO), pay-per-click advertising, and content marketing.


Digital marketing, on the other hand, unfurls its banner in the digital landscape, leveraging various online avenues, platforms, and technologies to promote and advertise products or services.


Digital marketing is laser-focused on product or service promotion, advertising, and distribution through digital channels such as websites, social media, email, search engines, and online ads.

Short-Term and Long-Term

Digital marketing exhibits versatility. It can encompass quick, results-driven campaigns like paid advertising or email marketing, as well as long-term strategies such as content marketing and search engine optimization aimed at achieving specific marketing goals.


The toolkit of digital marketing boasts a variety of tools – online advertising, social media marketing, content marketing, email marketing, search engine optimization (SEO), pay-per-click (PPC) advertising, affiliate marketing, and more. These are wielded to reach, engage, and convert digital audiences.


Unlike branding’s long-term perspective, digital marketing sets its sights on immediate and quantifiable results. It’s all about driving metrics like website traffic, lead generation, sales, or conversions. Data-driven analysis and optimization are its closest allies.

Here are Some Other Differences between Branding and Digital Marketing

Digital marketing promotes your business’s identity online, while branding defines your business’s identity.

Branding is key to effective digital marketing, allowing you to connect with and convert your target audience online.


Branding: The primary purpose of branding is to establish and reinforce your business’s identity, fostering trust and recognition among your audience.

Digital Marketing: Digital marketing aims to attract, engage, and convert potential customers by leveraging online platforms and strategies.


Branding: It consists of visual elements like logos, typography, and colour schemes, as well as intangible elements like brand values, mission, and voice.

Digital Marketing: It involves specific tactics such as social media posts, email campaigns, SEO-optimized content, and online advertising.


Branding: Building a strong brand is a long-term endeavour that evolves gradually over time.

Digital Marketing: Digital marketing campaigns can produce more immediate results and can be adjusted or scaled up as needed.


Branding: Success in branding is often measured through surveys, customer feedback, and long-term brand recognition.

Digital Marketing: Success is quantifiable through metrics such as website traffic, click-through rates, conversion rates, and ROI.

Strategy Integration

Branding: Branding is the foundation upon which digital marketing campaigns are built. Effective digital marketing often relies on a strong, consistent brand identity.

Digital Marketing: Digital marketing tactics are used to promote and reinforce the brand’s identity and messaging.

End Note

Can branding and digital marketing go hand-in-hand?

Branding and digital marketing, like peanut butter and jelly, complement each other.

When your branding is strong, digital marketing becomes easier. It helps you stand out online.

For instance, your brand’s colours and logo instantly make your social media posts recognizable.

Digital marketing spreads your brand message far and wide. It’s like shouting from rooftops, but online.

Together, they build trust and attract loyal customers. So, remember, branding and digital marketing are a dynamic duo!

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A Perfect Guide to Choose the Right Gowns for Women




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Gowns for Women and dresses are a timeless and nice choice for any formal or traditional events. The smooth and lustrous fabric adds a touch of luxury and sophistication to any outfit. However, choosing the right Gowns for Women can be a crucial task, especially with so many options available. In this guide, we will explore the factors to consider when choosing the right Gowns for Women for your special occasion.



The first factor to consider when choosing a Gowns for Women is the occasion. The style and colour of the gown should be appropriate for the event. For example, a ball gown would be perfect for a black-tie event, while a cocktail dress would be more suitable for a semi-formal event. If you’re unsure about the dress code, don’t be afraid to ask the host or event planner for guidance. You can choose the right Gowns for Women as per the occasion.

Body Type

When choosing a Gowns for Women, it’s important to consider your body type. Different styles of dresses flatter with different body shapes. For example, an A-line dress is flattering on most body types, while a mermaid gown is ideal for hourglass figures. If you’re unsure about which style will flatter your figure, try on different styles to find the one that suits you best. By knowing the body type, you can choose the right Gowns for Women or dresses.



The colour of the Gowns for Women is another important factor to consider. The colour should complement your skin tone and hair colour. If you have fair skin, pastel colours will look great on you, while darker skin tones look stunning in jewel tones. If you’re unsure about which colour to choose, black and navy are always classic options. Check the colours and patterns while choosing a right Gowns for Women for you.

Fabric Quality

Not all satin fabrics are created equal. The quality of the fabric will affect the overall look and feel of the gown or dress. Look for high-quality satin that has a smooth, silky texture and drapes well. Lower quality satin can look cheap and unflattering, so it’s worth investing in a higher quality fabric. If you are interested in buying Gowns for Women, please visit Wabi Sabi Styles for the best wardrobe essentials.



The length of the Gowns for Women is another factor to consider. Long gowns are typically more formal and are ideal for black-tie events, while shorter dresses are more versatile and can be worn to a variety of events. If you’re unsure about the appropriate length, consider the formality of the event and your personal style.


Accessories can make or break an outfit, so it’s important to choose the right accessories to complement your Gowns for Women. opt for simple and elegant accessories that won’t overpower the gown or dress. For example, a pair of diamond stud earrings and a clutch bag would be perfect for a formal event. Accessories like, your best necklace, rings etc… are also helpful in setting a perfect look while choosing right gown for women.



Overall, choosing the right Gowns for Women involves considering the occasion, body type, colour, fabric quality, length, and accessories. By taking these factors into account, you can find the perfect Gowns for Women to your special occasion. Remember, the most important thing is to feel comfortable and confident in your outfit, so choose a wabi sabi styles that reflects your personal style and makes you feel amazing.

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