Much like those in the aviation sector, individuals in the maritime industry often face unique challenges when seeking mortgage financing. Factors such as irregular income, contract-based employment, and non-standard tax arrangements like the Seafarers’ Earnings Deduction (SED) can make it difficult to secure a mortgage through traditional lenders.
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These specific circumstances can complicate the mortgage application process, leading to limited mortgage options. However, with the right guidance and expert advice, it’s entirely possible to overcome these hurdles and secure the financing you need.
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How Artillium Supports Maritime Professionals:
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Whether you work for a chartering company, a private family, or any other maritime employer, Artillium has the expertise to assess your unique income structure and help you navigate the complexities of the mortgage application process.
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Understanding Maritime Income: We’ll take into account your fluctuating pay, contractual work, and any periods spent offshore or on assignment. We know how to present this income in a way that maximizes your borrowing potential with lenders.
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Tax Considerations (SED): Seafarers often benefit from tax arrangements such as Seafarers’ Earnings Deduction (SED), which can affect how your income is assessed by lenders. We ensure that any tax advantages are fully considered when negotiating mortgage terms.
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Tailored Advice: From charter companies to private maritime employers, we examine your specific financial situation to recommend the best mortgage options available. Whether you’re looking to buy a home, remortgage, or release equity, we’ll help you find the right solution.
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Specialist Lender Access: We work with a wide range of lenders who are familiar with the challenges faced by maritime professionals, ensuring you get access to deals that are flexible and tailored to your career.
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Why Choose Artillium?
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Expert Advice for Maritime Workers: We understand the intricacies of maritime careers and income structures, helping you secure financing options that work for you.
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Access to a Wide Network of Lenders: With our connections to lenders who specialize in maritime professions, we can provide you with the most competitive rates and terms available.
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Streamlined Process: We make the mortgage application process as smooth as possible by guiding you every step of the way, from application to approval.
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Get the Mortgage You Deserve:
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We know how to navigate the complexities of your maritime career and find mortgage solutions that work for you. Whether you’re buying a property or remortgaging, we're here to help you secure the financing you need.
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Book Your Free Consultation Today:
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Contact us today for a free consultation. We’ll help you understand your mortgage options and provide expert advice tailored to your unique situation.