Halifax Mortgage for Contractors: Understanding Lending Criteria</h1><ul class=”pm-toc”><li><a href=”#key-takeaways”>Key Takeaways</a></li><li><a href=”#understanding-employment-types-contractor-vs-employee-vs-self-employed”>Understanding Employment Types: Contractor vs Employee vs Self-Employed</a><ul><li><a href=”#differences-between-employment-types”>Differences Between Employment Types</a></li><li><a href=”#pros-and-cons-of-each-type”>Pros and Cons of Each Type</a><ul><li><a href=”#pros”>Pros:</a></li><li><a href=”#cons”>Cons:</a></li></ul></li><li><a href=”#factors-to-consider-when-choosing-employment-type”>Factors to Consider When Choosing Employment Type</a></li></ul></li><li><a href=”#halifaxs-lending-criteria-for-contractors-explained”>Halifax’s Lending Criteria for Contractors Explained</a><ul><li><a href=”#key-requirements”>Key Requirements</a></li><li><a href=”#income-stability-assessment”>Income Stability Assessment</a></li></ul></li><li><a href=”#income-verification-process-for-contractor-mortgages”>Income Verification Process for Contractor Mortgages</a><ul><li><a href=”#required-documentation”>Required Documentation</a></li><li><a href=”#halifaxs-verification-process”>Halifax’s Verification Process</a></li><li><a href=”#importance-of-accurate-income-reporting”>Importance of Accurate Income Reporting</a></li></ul></li><li><a href=”#specific-mortgage-solutions-offered-by-halifax-for-contractors”>Specific Mortgage Solutions Offered by Halifax for Contractors</a><ul><li><a href=”#tailored-mortgage-products”>Tailored Mortgage Products</a></li><li><a href=”#features-and-benefits”>Features and Benefits</a></li><li><a href=”#flexible-repayment-options”>Flexible Repayment Options</a></li></ul></li><li><a href=”#affordability-tests-and-non-financial-criteria-at-halifax”>Affordability Tests and Non-Financial Criteria at Halifax</a><ul><li><a href=”#overview-of-affordability-tests”>Overview of Affordability Tests</a></li><li><a href=”#non-financial-factors-considered”>Non-Financial Factors Considered</a></li><li><a href=”#importance-of-meeting-non-financial-criteria”>Importance of Meeting Non-Financial Criteria</a></li></ul></li><li><a href=”#impact-of-ir35-on-mortgage-lending-criteria”>Impact of IR35 on Mortgage Lending Criteria</a><ul><li><a href=”#understanding-ir35-regulations”>Understanding IR35 Regulations</a></li><li><a href=”#halifaxs-approach-to-contractor-mortgages”>Halifax’s Approach to Contractor Mortgages</a></li><li><a href=”#tips-for-contractors-seeking-mortgages-with-halifax”>Tips for Contractors Seeking Mortgages with Halifax</a></li></ul></li><li><a href=”#options-for-contractors-with-limited-companies-or-zero-hours-contracts”>Options for Contractors with Limited Companies or Zero Hours Contracts</a><ul><li><a href=”#mortgage-options-for-employed-contractors”>Mortgage Options for Employed Contractors</a></li><li><a href=”#assisting-contractors-with-zero-hours-contracts”>Assisting Contractors with Zero Hours Contracts</a></li><li><a href=”#considerations-and-requirements-for-applicants”>Considerations and Requirements for Applicants</a></li></ul></li><li><a href=”#why-halifax-is-a-preferred-choice-for-contractor-mortgages”>Why Halifax is a Preferred Choice for Contractor Mortgages</a><ul><li><a href=”#benefits-of-choosing-halifax”>Benefits of Choosing Halifax</a></li><li><a href=”#expertise-and-experience-at-halifax”>Expertise and Experience at Halifax</a></li><li><a href=”#testimonials-from-successful-contractors”>Testimonials from Successful Contractors</a></li></ul></li><li><a href=”#additional-support-and-resources-for-contractor-mortgage-applicants”>Additional Support and Resources for Contractor Mortgage Applicants</a><ul><li><a href=”#support-services”>Support Services</a></li><li><a href=”#online-resources”>Online Resources</a></li></ul></li><li><a href=”#summary”>Summary</a></li><li><a href=”#frequently-asked-questions”>Frequently Asked Questions</a><ul><li><a href=”#what-are-the-key-differences-between-contractors-employees-and-self-employed-individuals”>What are the key differences between contractors, employees, and self-employed individuals?</a></li><li><a href=”#how-does-halifax-assess-contractors-eligibility-for-mortgages”>How does Halifax assess contractors’ eligibility for mortgages?</a></li><li><a href=”#can-contractors-with-limited-companies-or-zero-hours-contracts-apply-for-mortgages-at-halifax”>Can contractors with limited companies or zero hours contracts apply for mortgages at Halifax?</a></li><li><a href=”#how-does-ir35-legislation-impact-mortgage-lending-criteria-for-contractors-at-halifax”>How does IR35 legislation impact mortgage lending criteria for contractors at Halifax?</a></li><li><a href=”#why-choose-halifax-for-a-contractor-mortgage-over-other-lenders”>Why choose Halifax for a contractor mortgage over other lenders?</a></li></ul></li></ul>
<p>Exploring mortgage options as a contractor in Halifax? Understanding the nuances of securing a mortgage tailored to your unique circumstances is crucial. Contractors often face specific challenges when seeking financial support for homeownership. From income variability to contract-based employment, navigating the mortgage landscape can be complex. However, with the right guidance and expertise, contractors can find suitable Halifax mortgage solutions that meet their needs effectively. </p>
<h2 id=”key-takeaways”>Key Takeaways</h2>
<ul>
<li><strong>Know Your Employment Type</strong>: Understand the differences between being a contractor, an employee, or self-employed to navigate mortgage options effectively.
</li>
<li><strong>Follow Halifax’s Criteria</strong>: Familiarise yourself with Halifax’s specific lending criteria for contractors to increase your chances of mortgage approval.
</li>
<li><strong>Prepare for Income Verification</strong>: Be ready for the detailed income verification process required for contractor mortgages at Halifax.
</li>
<li><strong>Explore Tailored Solutions</strong>: Halifax offers specialised mortgage solutions designed for contractors, so explore these options for a better fit.
</li>
<li><strong>Assess Affordability Carefully</strong>: Take into account affordability tests and non-financial criteria at Halifax to gauge your eligibility accurately.
</li>
<li><strong>Stay Informed about IR35</strong>: Understand how changes in IR35 legislation can impact mortgage lending criteria for contractors, keeping you informed and prepared.
</li>
</ul>
<h2 id=”understanding-employment-types-contractor-vs-employee-vs-self-employed”>Understanding Employment Types: Contractor vs Employee vs Self-Employed</h2>
<h3 id=”differences-between-employment-types”>Differences Between Employment Types</h3>
<p>Contractors, employees, and self-employed individuals differ in their working arrangements. <strong>Employees</strong> work for a company under an employment contract, receiving a fixed salary. <strong>Contractors</strong>, on the other hand, are hired on a project basis or for a specific period without permanent ties to the employer. Lastly, <strong>self-employed</strong> individuals run their businesses independently.</p>
<p>Employees generally have more stability than contractors or self-employed workers. However, contractors often enjoy greater flexibility in choosing projects and setting their schedules compared to traditional employees.</p>
<h3 id=”pros-and-cons-of-each-type”>Pros and Cons of Each Type</h3>
<p>Being an employee provides stable income with benefits but may limit flexibility in work hours or projects undertaken. Contractors can negotiate higher pay rates for short-term assignments but face uncertainty between contracts. Self-employed individuals have full control over their business decisions but bear all financial risks.</p>
<h4 id=”pros”>Pros:</h4>
<ul>
<li>Employees receive regular salaries with benefits.</li>
<li>Contractors can earn higher rates per project.</li>
<li>Self-employed individuals have autonomy over business operations.</li>
</ul>
<h4 id=”cons”>Cons:</h4>
<ul>
<li>Employees may lack flexibility in work arrangements.</li>
<li>Contractors face periods without projects.</li>
<li>Self-employed individuals carry all financial responsibilities alone.</li>
</ul>
<h3 id=”factors-to-consider-when-choosing-employment-type”>Factors to Consider When Choosing Employment Type</h3>
<p>When deciding between being an employee, contractor, or self-employed individual, several factors come into play such as job security preferences and desired level of independence. Consider your long-term career goals when selecting the most suitable employment type that aligns with your lifestyle preferences.</p>
<ol>
<li>Evaluate your financial needs against potential earnings from each employment type before making a decision.</li>
<li>Assess the level of control you desire over your work schedule and project selection based on the available options.</li>
<li>Research industry norms regarding employment types to understand common practices within your field before committing to one option.</li>
</ol>
<h2 id=”halifaxs-lending-criteria-for-contractors-explained”>Halifax’s Lending Criteria for Contractors Explained</h2>
<h3 id=”key-requirements”>Key Requirements</h3>
<p>Halifax has specific <strong>lending criteria</strong> for contractors applying for a mortgage. Contractors must typically provide evidence of their contract and income stability. One key requirement is having a minimum contract length, usually around six months to two years, depending on the type of contractor.</p>
<p>Contractors are also required to show a track record of continuous employment or contracts in the same line of work. This demonstrates <strong>income stability</strong>, which is crucial for lenders like Halifax when assessing mortgage applications from contractors.</p>
<p>Another essential requirement is meeting the minimum income threshold set by Halifax. This ensures that contractors have a reliable source of income to meet their mortgage repayments consistently.</p>
<h3 id=”income-stability-assessment”>Income Stability Assessment</h3>
<p>Halifax assesses the <strong>income stability</strong> of contractors by reviewing their past contracts or employment history. They look at factors such as the length of time with current clients, frequency of contracts, and consistency in earnings over time.</p>
<p>One way Halifax evaluates this is by considering if there are any gaps between contracts or periods without work. These gaps could raise concerns about an individual’s ability to maintain steady income flow necessary for repaying a mortgage.</p>
<p>Furthermore, Halifax may require contractors to provide additional documentation, such as bank statements or proof of savings, to demonstrate financial stability during lean periods between contracts.</p>
<h2 id=”income-verification-process-for-contractor-mortgages”>Income Verification Process for Contractor Mortgages</h2>
<h3 id=”required-documentation”>Required Documentation</h3>
<p>Contractors applying for mortgages, such as a <strong>Halifax mortgage for contractors</strong>, need to provide specific documentation to verify their income. This typically includes <strong>bank statements</strong> showing regular payments and the <strong>gross contract value</strong> received from clients.</p>
<p>To ensure the accuracy of income reporting, it is essential to present the most recent bank statement that clearly reflects all incoming payments related to contracts. These documents play a crucial role in demonstrating the contractor’s financial stability and ability to meet mortgage repayments.</p>
<h3 id=”halifaxs-verification-process”>Halifax’s Verification Process</h3>
<p>Halifax employs a meticulous process when verifying the income of contractors during mortgage applications. They carefully review <strong>proof</strong> of contract income provided by applicants, including details on the duration and value of contracts undertaken by contractors.</p>
<p>By scrutinising these documents, Halifax assesses whether the contractor has a consistent stream of income that can support their mortgage repayments over time. This verification process helps lenders like Halifax make informed decisions regarding loan approvals based on accurate financial information provided by contractors.</p>
<h3 id=”importance-of-accurate-income-reporting”>Importance of Accurate Income Reporting</h3>
<p>Accurate reporting of contract income is paramount when applying for contractor mortgages. Lenders rely heavily on this information to evaluate an applicant’s financial capacity and determine suitable lending terms based on their earnings.</p>
<h2 id=”specific-mortgage-solutions-offered-by-halifax-for-contractors”>Specific Mortgage Solutions Offered by Halifax for Contractors</h2>
<h3 id=”tailored-mortgage-products”>Tailored Mortgage Products</h3>
<p>Halifax provides <strong>mortgage solutions</strong> specifically designed to cater to contractors’ unique financial situations. These mortgage products take into account the irregular income patterns often associated with contracting work. For example, Halifax offers contractor mortgages that consider day rates or hourly rates as part of the income assessment process.</p>
<p>Contractors can benefit from tailored mortgage products that provide more flexibility in meeting the affordability criteria compared to traditional mortgages. By offering these specialised solutions, Halifax aims to support contractors in achieving their homeownership goals without facing unnecessary hurdles due to their employment status.</p>
<h3 id=”features-and-benefits”>Features and Benefits</h3>
<p>The <strong>mortgage solutions</strong> offered by Halifax for contractors come with a range of features and benefits tailored to suit their needs. Contractors may enjoy lower interest rates, reduced deposit requirements, and extended loan terms when opting for these specialized mortgage products. Some contractor-specific mortgages may allow individuals to borrow based on contract rate rather than standard salary multiples.</p>
<p>Moreover, these mortgage solutions often include options for overpayments or underpayments depending on the contractor’s earnings fluctuations throughout the year. This feature provides contractors with greater control over their finances while ensuring they can manage repayments effectively even during leaner months.</p>
<h3 id=”flexible-repayment-options”>Flexible Repayment Options</h3>
<p>Halifax supports contractors by providing flexible repayment options within their <strong>mortgage solutions</strong>. This flexibility allows contractors to align their repayment schedules with their cash flow patterns more effectively. For instance, some contractor-specific mortgages may permit individuals to make lump sum payments or increase monthly contributions without incurring penalties.</p>
<h2 id=”affordability-tests-and-non-financial-criteria-at-halifax”>Affordability Tests and Non-Financial Criteria at Halifax</h2>
<h3 id=”overview-of-affordability-tests”>Overview of Affordability Tests</h3>
<p>Halifax conducts affordability tests to ensure that contractors can afford the mortgage they are applying for. These tests evaluate the contractor’s income, expenses, and financial stability to determine their repayment capability. <strong>Contractors must provide details</strong> such as their latest bank statements, tax returns, and proof of earnings to support their application.</p>
<p>Halifax looks at a contractor’s income over a specific period to calculate how much they can borrow. <strong>The lender considers</strong> not just the current income but also any fluctuation in earnings or gaps in employment history. This helps Halifax assess the contractor’s ability to meet mortgage repayments consistently.</p>
<h3 id=”non-financial-factors-considered”>Non-Financial Factors Considered</h3>
<p>Apart from financial aspects, Halifax also takes non-financial criteria into account when assessing contractor mortgages. <strong>These factors include</strong> the contractor’s industry experience, job stability, and future earning potential. Demonstrating a steady work history with regular contracts can strengthen an applicant’s case with Halifax.</p>
<p>Furthermore, Halifax evaluates the nature of a contractor’s work and whether it aligns with their lending policies. For instance, certain high-risk industries may face more scrutiny during the approval process compared to others considered low risk by lenders like Halifax. <strong>Factors like these influence</strong> how favourable terms contractors might receive on their mortgages.</p>
<h3 id=”importance-of-meeting-non-financial-criteria”>Importance of Meeting Non-Financial Criteria</h3>
<p>Meeting non-financial criteria is crucial for contractors seeking mortgage approval from Halifax. Even if a contractor meets all financial requirements but falls short on non-financial aspects like job stability or industry experience, <strong>their application could be declined</strong> by Halifax despite having sufficient funds for repayments.</p>
<h2 id=”impact-of-ir35-on-mortgage-lending-criteria”>Impact of IR35 on Mortgage Lending Criteria</h2>
<h3 id=”understanding-ir35-regulations”>Understanding IR35 Regulations</h3>
<p>IR35 is a tax legislation affecting contractors who work through intermediaries. It determines if they are genuine contractors or “disguised employees.” <strong>IR35</strong> can impact contractor mortgage applications due to potential income fluctuations and uncertainties.</p>
<p>Contractors falling under IR35 may find it challenging to secure mortgages as lenders perceive them as higher risk. Lenders like <strong>Halifax</strong> evaluate the stability of a contractor’s income, which can be affected by IR35 regulations.</p>
<h3 id=”halifaxs-approach-to-contractor-mortgages”>Halifax’s Approach to Contractor Mortgages</h3>
<p>Halifax considers various factors when assessing mortgage applications from contractors affected by IR35. They review income consistency, contract length, industry experience, and future job prospects. <strong>Halifax</strong> aims to ensure that contractors can meet their mortgage repayments effectively.</p>
<p>When applying for a mortgage with <strong>Halifax</strong>, contractors impacted by IR35 should provide detailed financial records, such as accounts and bank statements. Demonstrating a stable income stream outside of the legislation’s scope could strengthen their application.</p>
<h3 id=”tips-for-contractors-seeking-mortgages-with-halifax”>Tips for Contractors Seeking Mortgages with Halifax</h3>
<ol>
<li>Maintain accurate financial records showcasing consistent earnings.</li>
<li>Save for a larger deposit to increase chances of approval.</li>
<li>Seek advice from specialist brokers familiar with contractor mortgages at Halifax.</li>
<li>Consider securing long-term contracts or permanent positions before applying for a mortgage.</li>
<li>Be prepared to explain any gaps in employment history caused by changes in contracting status.</li>
</ol>
<h2 id=”options-for-contractors-with-limited-companies-or-zero-hours-contracts”>Options for Contractors with Limited Companies or Zero Hours Contracts</h2>
<h3 id=”mortgage-options-for-employed-contractors”>Mortgage Options for Employed Contractors</h3>
<p>Halifax provides mortgage options tailored to <strong>contractors</strong> operating through limited companies. These contractors can benefit from Halifax’s specialised schemes designed to accommodate their unique financial situations. By considering the contractor’s current contract, payslips, day rate, and continuous employment history, Halifax offers customised mortgage solutions.</p>
<p>Contractors working within a limited company structure often face challenges when applying for mortgages due to fluctuations in income and irregular payment structures. However, with Halifax’s expertise in handling <strong>freelancer financials</strong>, these contractors have access to favourable mortgage terms that consider their specific circumstances. By assessing the contractor’s financial stability based on payslips and additional duty hours worked, Halifax ensures a comprehensive evaluation of the applicant.</p>
<h3 id=”assisting-contractors-with-zero-hours-contracts”>Assisting Contractors with Zero Hours Contracts</h3>
<p>For contractors navigating zero hours contracts seeking mortgage approval, Halifax offers dedicated support throughout the application process. Despite the variability of work associated with zero hours contracts, Halifax assists these individuals by evaluating their overall financial health holistically. By examining factors such as holiday pay entitlements and pension contributions reflected in payslips or P60 forms provided by employers, Halifax assesses the contractor’s ability to meet mortgage repayments reliably.</p>
<ul>
<li>Pros:
</li>
<li>Tailored mortgage solutions
</li>
<li>Comprehensive assessment of financial stability
</li>
<li>Cons:
</li>
<li>Income variability may impact borrowing capacity
</li>
</ul>
<h3 id=”considerations-and-requirements-for-applicants”>Considerations and Requirements for Applicants</h3>
<p>When applying for a mortgage with limited company status or under a zero hours contract at Halifax, several considerations come into play. Applicants must demonstrate a consistent income flow despite contractual variations by providing necessary documentation like payslips or proof of additional earnings accurately reflecting their earning potential over time.</p>
<ol>
<li>Gather all relevant documents including recent payslips.</li>
<li>Ensure clarity on any fluctuating income sources.</li>
<li>Be prepared to explain any gaps in employment history if applicable.</li>
<li>Provide accurate information regarding holiday pay entitlements and pension contributions.</li>
<li>Maintain transparency about current contract terms and conditions.</li>
</ol>
<h2 id=”why-halifax-is-a-preferred-choice-for-contractor-mortgages”>Why Halifax is a Preferred Choice for Contractor Mortgages</h2>
<h3 id=”benefits-of-choosing-halifax”>Benefits of Choosing Halifax</h3>
<p>Halifax offers <strong>competitive rates</strong> and <strong>flexible terms</strong> tailored specifically for contractors. This means contractors can find a mortgage that suits their unique financial situation. Halifax provides <strong>personalised guidance</strong> throughout the application process, making it easier for contractors to navigate the complexities of securing a mortgage.</p>
<p>Contractors opting for Halifax mortgages benefit from <strong>quick approval processes</strong>, allowing them to move forward with their home purchase promptly. The bank’s willingness to consider various income sources, including contractor earnings, makes it an attractive option for those in non-traditional employment arrangements.</p>
<ul>
<li>Competitive rates</li>
<li>Flexible terms</li>
<li>Personalised guidance</li>
<li>Quick approval processes</li>
<li>Consideration of various income sources</li>
</ul>
<h3 id=”expertise-and-experience-at-halifax”>Expertise and Experience at Halifax</h3>
<p>Halifax has established itself as a trusted name in the mortgage industry with years of experience catering to contractors’ needs. Their expertise allows them to understand the nuances of contractor finances, offering solutions that align with their specific requirements.</p>
<p>By working closely with contractors over the years, Halifax has honed its processes to streamline applications and ensure a smooth experience from start to finish. This level of understanding sets them apart in providing tailored solutions that cater effectively to contractors’ financial situations.</p>
<ul>
<li>Trusted name in the industry</li>
<li>Understanding nuances of contractor finances</li>
<li>Streamlined application processes</li>
<li>Tailored solutions for contractors</li>
</ul>
<h3 id=”testimonials-from-successful-contractors”>Testimonials from Successful Contractors</h3>
<p>Contractors who have secured mortgages through Halifax often praise the bank’s commitment to helping individuals like them achieve homeownership. These testimonials highlight how Halifax’s support and flexibility made it possible for these contractors to realise their dream of owning a home despite their unique employment circumstances.</p>
<p>Through positive feedback and success stories shared by satisfied customers, prospective borrowers gain confidence in choosing Halifax as their mortgage provider when navigating homeownership as a contractor.</p>
<h2 id=”additional-support-and-resources-for-contractor-mortgage-applicants”>Additional Support and Resources for Contractor Mortgage Applicants</h2>
<h3 id=”support-services”>Support Services</h3>
<p>Halifax provides <strong>additional support</strong> to contractor mortgage applicants, ensuring they meet the <strong>contractor mortgage lending criteria</strong>. They offer guidance through the <strong>mortgage application</strong> process, assisting contractors in understanding their options and requirements.</p>
<p>Contractors can benefit from Halifax’s experienced <strong>mortgage advisors</strong>, who help navigate the complexities of <strong>mortgage lending</strong> for contractors. These advisors provide insights into <strong>mortgage affordability</strong>, helping applicants determine suitable loan amounts based on their income and financial situation.</p>
<h3 id=”online-resources”>Online Resources</h3>
<p>Halifax offers a range of online resources and tools on their website to aid contractors in their <strong>mortgage application</strong> journey. Contractors can access calculators to estimate mortgage payments, checklists to prepare necessary documents, and FAQs addressing common queries related to contractor mortgages.</p>
<p>The online platform also features educational articles explaining key concepts such as lenders’ expectations from contractor applicants and tips for improving one’s chances of securing a mortgage. By leveraging these resources, contractors can enhance their understanding of the process and make informed decisions throughout their application.</p>
<h2 id=”summary”>Summary</h2>
<p>The detailed exploration of Halifax’s mortgage offerings for contractors sheds light on the tailored solutions available for this specific employment type. Understanding the nuances of income verification, lending criteria, and the impact of factors like IR35 is crucial for contractors navigating the mortgage application process. Halifax’s specialised support and resources position it as a preferred choice, offering a clear path to homeownership for contractors with varying employment structures. Aspiring homeowner contractors are encouraged to leverage the insights provided here to make informed decisions when seeking mortgage solutions tailored to their unique financial circumstances.</p>
<h2 id=”frequently-asked-questions”>Frequently Asked Questions</h2>
<h3 id=”what-are-the-key-differences-between-contractors-employees-and-self-employed-individuals”>What are the key differences between contractors, employees, and self-employed individuals?</h3>
<p>Contractors work on a project basis, employees have fixed roles with an employer, while self-employed individuals run their own businesses independently.</p>
<h3 id=”how-does-halifax-assess-contractors-eligibility-for-mortgages”>How does Halifax assess contractors’ eligibility for mortgages?</h3>
<p>Halifax considers factors like contract length, income stability, industry experience, and future earning potential when evaluating contractor mortgage applications.</p>
<h3 id=”can-contractors-with-limited-companies-or-zero-hours-contracts-apply-for-mortgages-at-halifax”>Can contractors with limited companies or zero hours contracts apply for mortgages at Halifax?</h3>
<p>Yes. Halifax offers specialised mortgage solutions tailored to cater to the unique circumstances of contractors with limited companies or those on zero hours contracts.</p>
<h3 id=”how-does-ir35-legislation-impact-mortgage-lending-criteria-for-contractors-at-halifax”>How does IR35 legislation impact mortgage lending criteria for contractors at Halifax?</h3>
<p>IR35 can affect how a contractor’s income is viewed by lenders. Halifax takes this into account when assessing affordability and determining suitable mortgage options.</p>
<h3 id=”why-choose-halifax-for-a-contractor-mortgage-over-other-lenders”>Why choose Halifax for a contractor mortgage over other lenders?</h3>
<p>Halifax is known for its understanding of contractor needs, flexible lending criteria, specific mortgage products designed for contractors’ financial situations.</p>
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