Unless you are a hermit living on a remote island somewhere, you have probably found the last few months to be a little challenging. And to be fair, being a hermit brings its own challenges anyway.

But for those of us living within normal society, 2020 has been something of a rollercoaster ride where nobody has been able to get off.

Remember when you brought in the new year and decided on a few things you’d like to be able to say you’ve done or achieved by the time you do the same thing in 2021? Well that’s most likely been blown out of the water sadly in a year that, it’s fair to say, in the course of human history, will not go down as one of the best.

All this being said, there are still a few months left in 2020. So depending on how well you are coming through the global COVID-19 pandemic, there’s a chance for some salvaging for the year as a whole.

If one of your 2020 goals was to sort out a new mortgage, then there is a fair chance these plans have been at the very least affected by, and at worst scuppered by, the pandemic.

Mortgage lenders across Britain have of course been just as impacted by the pandemic, and they are trying to get their own heads around what the ‘new normal’ means for them.

The major, basic questions any mortgage lender needs to know – ‘how much do you earn?’ and ‘how stable is your employment?’ – have been chucked right up in the air. Obviously these questions are still pertinent, but with whole industries catastrophically affected by the pandemic, the area in which you work has never been more important for a mortgage broker to know.

These questions are also trickier to answer in a time of furloughing and other professional changes for hundreds of thousands of people up and down the country. This all means that mortgage brokers are having to be slightly more tactful than they may have been pre-pandemic.

As a contractor, getting a mortgage has been a historically challenging task. This is why companies such as us at Roots Finance Group exist – to help contractor and freelancers navigate the weird and wonderful world of mortgages.

But with so many variables and challenges out there at present as mortgage lenders find their feet in an industry markedly affected by the pandemic, having a holding hand to guide you through your own mortgage negotiations as a contractor has never been more important.

Our team at Roots Finance Group is comprised of industry experts across both the mortgage advice and contractor side, able to provide you with the knowledge, guidance and savvy to not let the recent global situation ruin those 2020 mortgage plans for good.

We have our collective fingers on the pulse in terms of understanding how mortgage lenders are adapting, and are therefore able to give you sound advice and clear insight as to the state of play as we all adjust to the new normal.

So if you are a contractor or freelancer who shelved their mortgage plans because of the pandemic, now is a great time to pick those plans back up.