Is Now the Time to Switch Mortgage?

Our spidey senses tell us the base rate increase is imminent

Mortgage rates look like they could be set to increase from the record-low mortgage rates that many contractor borrowers have been enjoying.

The Bank of England has already suggested that rates will rise “in the relatively near term” [1]. Our financial forecasting powers are telling us it could be as soon as next month.

Some mortgage lenders have slowly started to increase their rates, including Barclays who have increased the cost of its two-year fixes by up to 0.2% [2]. Also, Halifax have increased by 0.2 percentage points [3].

About 4 million people have fixed rate mortgages [4]. Although, no one currently on a fixed rate mortgage will see any changes until their existing deal expires. Yet if you’re on a variable or tracker mortgage and interest rates increase, your mortgage payments could get more expensive.

Swoop In & Secure a Low Rate.

If you haven’t reviewed your mortgage recently and not taken advantage of the record-low fixed rates, you may want to consider it now.” says Super Contractors Managing Director Gordon Hunter. “Securing a fixed rate deal could be your answer to avoid the impending increase. It all depends on your circumstances and whether a switch is right for you at this moment.”

Super Contractors can search for contractor remortgage deals on your behalf with major high street lenders who will consider (subject to terms) a Day Rate contractor.

For more information on switching your mortgage, speak to one of our expert contractor mortgage advisers.

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Source:

  1. CNBC, September 2017 https://www.cnbc.com/2017/09/29/bank-of-englands-mark-carney-uk-on-track-for-rate-hike-in-relatively-near-term.html
  2. The Guardian, October 2017 https://www.theguardian.com/money/2017/oct/13/remortgage-now-cheap-fixed-rate-deal-interest-rate-rise
  3. Financial Times, October 2017 https://www.ftadviser.com/mortgages/2017/10/02/halifax-is-latest-lender-to-raise-mortgage-rates/
  4. BBC News, October 2017 bbc.co.uk/news/business-41523941

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Your property may be repossessed if you do not keep up repayments on your mortgage.

This firm does not charge a fee for mortgage advice.

Contract Mortgages Ltd trading as Super Contractors is an appointed representative of First Complete Limited which is authorised and regulated by the Financial Conduct Authority.

Buy to Let Property through LTD Company – Pros V Cons

Setting up a new limited company.

Some lenders will accept new, existing, or a subsidiary limited companies. However, some lenders will insist on a new limited company being setup. This is so you can prove to mortgage lenders that you have set up a new company with the sole intention of that company being used to invest in property and nothing else.

Standard Industry Classifications (SICs)

Some lenders insist on the company to be setup with one of the following SIC codes.

  • 68100 – Buying and selling own real estate.
  • 68209 – Other letting and operating of owned or leased real estate.
  • 68320 – Management of real estate on a fee or contract basis.

There are other mortgage lenders that are more lenient and don’t require these codes.

The company applies for the mortgage and the income of the directors is then assessed. There’s not yet a lender who can do Ltd Company Buy to Lets and assess you as a contractor, and as such it’d be a case of using the Company Accounts.

Taking money out of the company

There are other questions and costs to consider when setting up a limited company, for example how is the money in the company passed to the individual? The money can be taken out of the company as a dividend, but from April 2016 only the first £5,000 of dividend income is tax free. Any dividends taken out above this amount this will either be charged at 7.5% for a basic rate taxpayer, 32.5% for a higher rate taxpayer, or 38.1% for an additional higher rate taxpayer. This tax is after the corporation tax at 20% has been paid. *

The money could be taken as a salary, but the company would have to operate PAYE and pay Employers National insurance contributions. In some cases, this can work out more expensive than paying dividends. *

*Information above from Loan.co.uk, June 2017

Interest rates

Interest rates charged on mortgages to companies have historically been higher than to individuals. Comparing rates charged between individuals and companies should be considered as well as the tax implications.

Due to the complexities in this area we recommend that Landlords seek proper professional advice before making the decision to move to a limited company structure. The information provided in this guide is of a general nature. It is not a substitute for specific advice on your own circumstances. We recommend obtaining specific professional advice from a tax and legal adviser before you take or refrain from any action.

For more information about buy to let mortgages, speak to our expert mortgage advisers on Freephone 0800 211 8700 or fill in our online enquiry form.

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Your property may be repossessed if you do not keep up repayments on your mortgage.

Super Contractors does not offer advice on taxation matters. Please seek expert advice from a tax specialist.

Super Contractors is a trading name of Contract Mortgages Ltd, registered in Scotland at 1st floor, 207 Bath Street, Glasgow, G2 4HZ SC465654. Contract Mortgages Ltd is an appointed representative of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 435779) for mortgage and non-investment insurance advice. Some buy to let mortgages are not regulated by the Financial Conduct Authority.

4 Times When You Should Remortgage as a Contractor

Remortgage when the situation is at its most advantageous. While you don’t have to stay with the same lender for the duration of your contractor mortgage, don’t just switch to free up extra cash for holidays or to acquire that new spandex superhero suit you’ve been admiring. Instead make an informed decision where there is a distinct advantage, such as the following…

  1. When You Have Equity Power

How much of your headquarters have you paid for? The equity you’ve paid for and the bank own the rest. The proportion known as the “Loan to Value” ratio (LTV). The lower the LTV and the higher your equity, then the better your updated contractor mortgage deal is likely to be.

  1. When Fixed Term End is Fast Approaching

If you’re on top of your financial forecasting, you should be up to speed with your current mortgage terms. If you have an introductory deal on your current contractor mortgage, then know when it is coming to an end. If your lender is moving you to a standard variable rate (SVR), then you’ll want to consider what other options may be available – either from your existing lender, or whether a remortgage may be more advantageous if the commencing SVR is more than you’re paying right now.

Also, take into account whether you will incur early repayment charges if you redeem your existing mortgage early. Remember, you don’t have to stick with the same lender! Our expert mortgage advisers at Super Contractors can recommend cost effective remortgage deals. We’ll look at what fees/charges that could be charged by the lender for switching. We’ll look at what’s most cost-effective for you, ensuring you’re getting the most suitable offer going.

  1. Holy Low Interest Rates, Batman!

The Bank of England base rate remains at a record low 0.25%, the lowest in the bank’s 323-year history. [1]

Lenders are already competing with each other with attractive mortgage deals. Get your timing right and you could lock into a super low rate for a contractor remortgage on your current property.

  1. Your Contractor Mortgage Application is Fighting Fit

They’re many lenders who are only allies if you have been contracting for at least 12 months. However, they’re specific contractor remortgage deals with major high street lenders who will consider (subject to terms) a day one contractor.

Our expert mortgage advisers at Super.Contractors would also recommend that remortgage applications should be submitted at least four weeks before the end of your current contract. This is because the lender will want to know what your next contract is going to be. If you don’t get a new contract at least four weeks out, it may still be possible, but it’ll be a trickier task.

Who to signal for?

For broker fee free advice about remortgaging as a contractor, contact Super Contractors. Freephone 0800 211 8700 or fill in our online enquiry form.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We do not charge a fee for our services, we receive commission from the lender.

Super Contractors is a trading name of Contract Mortgages Ltd, registered in Scotland at 1st floor, 207 Bath Street, Glasgow, G2 4HZ SC465654. Contract Mortgages Ltd is an appointed representative of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 435779) for mortgage and non-investment insurance advice.

Source:

  1. Bank of England cuts base rate to 0.25% – what it means for you, MoneySavingExpert, http://www.moneysavingexpert.com/news/banking/2016/08/bank-of-england-august-base-rate-decision

5 Secret Weapons To Getting A Contractor Mortgage

Getting a contractor mortgage doesn’t have to be as difficult as you think. The mortgage application and approval processes for larger lenders has, in the main, been created for regular employees not contractors. Though, with the right specialist knowledge and secret weapons you could be on your way to getting a contractor mortgage. Read on for our 5 Secret Weapons to Getting a Contractor Mortgage.

  1. Get A Specialist Sidekick

We know the very one…

While it may seem biased that we suggest using a contractor mortgage specialist, it is a benefit.  It is important that you get advice from a broker that is familiar with the contracting world so you can be sure the advice you receive is suitable.

For a contractor, working with contractor specialist provides two key benefits; potentially access to more mortgage products and a dedicated adviser who deals directly with head office which can help to speed the up the mortgage process. We have built relationships with contractor friendly lenders who provide mortgages based on day rate and current contract. Rather than the number of years you have been working as a contractor.

  1.  Save the Day and Save Money

Generally, you won’t get anywhere with a mortgage without a deposit. At the moment, you can secure a mortgage with at least 5% of the property’s value. Having a larger deposit will make you less risky for mortgage lenders and as a result they’ll generally offer you more competitive mortgage deals with lower interest rates.

  1.  Keep Your Credit Rating Super Clean

A super clean credit rating is key to getting your mortgage application accepted. You could have a good income and a good sized deposit, but your mortgage application could still be refused if you have a poor credit rating. Missing credit card payments or not being on the electoral roll at your current address can make all the difference.



  1.  Make Sure Your Contract Is Fighting Fit

A copy of a completely up-to-date, signed contract is a must. Ensuring that the length of service and day rate is clearly visible can be vital in securing a contractor mortgage. Lenders require this information as support for your application for a mortgage. It can save you masses of admin and the stress of having to supply three years worth of accounts.

  1.  Documents… ASSEMBLE

Make sure you have all the correct documents in order and to hand, these can include:

  • Suitable ID
  • Copy of Current Contract
  • Last Six Months Bank Statements
  • Copy of CV

This differs for the time you have been contracting for. See what documents you need for a contractor mortgage.

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At Super Contractors, we specialise in contractor mortgages. We understand the financial status of contractors and work alongside head office underwriters who are contractor friendly to get our clients the mortgage they need.

For more information about getting a mortgage as a contractor, join us – call  0800 211 8700 or fill out our online enquiry form

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We do not charge a fee for our services, we receive commission from the provider.

Super Contractors is a trading name of Contract Mortgages Ltd, registered in Scotland at 1st floor, 207 Bath Street, Glasgow, G2 4HZ SC465654. Contract Mortgages Ltd is an appointed representative of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 435779) for mortgage and non-investment insurance advice.

Top 20 Property Investments for Next 5 Years

According to research published by Barclays, house prices across the UK are tipped to rise by an average 6.1% over the next five years.

The Barclays UK Property Indicator report shows that Richmond upon Thames, in London, leads the top 20 property hotspots with anticipated price rises of 39.1% between now and 2021.

Other areas included in the list are Cotswold in South West England, East Renfrewshire just outside Glasgow, and Stratford-on-Avon in the West Midlands. Read on for the rest of the top 20 property investment areas.

Are you looking for a buy-to-let mortgage? Speak to one of our expert mortgage advisers, freephone 0800 211 8700 or fill in our online enquiry form.

Top 20 investment areas over the next 5 years, according to Barclays UK Property Predictor, 2017

  Region Area Average annual % increase Overall % increase
(2017-2021)
1 London Richmond upon Thames 6.82% 39.10%
2 East St Albans 6.78% 38.80%
3 East Three Rivers 6.12% 34.60%
4 London Camden 6.02% 33.90%
5 London Westminster 5.70% 31.90%
6 South West Cotswold 5.67% 31.80%
7 London Wandsworth 5.56% 31.10%
8 East Uttlesford 5.38% 30.00%
9 South East Mole Valley 5.35% 29.80%
10 West Midlands Warwick 5.31% 29.50%
11 East Midlands South Northamptonshire 5.27% 29.30%
12 East Hertsmere 5.08% 28.10%
13 South East Waverley 5.03% 27.80%
14 South West East Dorset 4.96% 27.40%
15 South East Elmbridge 4.79% 26.40%
16 East Midlands Rushcliffe 4.65% 25.50%
17 South East Windsor and Maidenhead 4.54% 24.90%
18 Scotland East Renfrewshire 4.37% 23.80%
19 South East Hart 4.29% 23.40%
20 West Midlands Stratford-on-Avon 4.23% 23.00%

Please note, the potential growth figures are only an estimation. These figures could go down as well as up.

Are you looking for a buy-to-let mortgage? Speak to one of our expert mortgage advisers, freephone 0800 211 8700 or fill in our online enquiry form.

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Super Contractors is a trading style of Contract Mortgages Ltd, registered in Scotland at 1st Floor, 207 Bath Street, Glasgow, G2 4HZ SC465654.

Contract Mortgages Ltd is an appointed representative of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority (FRN: 435779) for mortgage and non-investment insurance advice. The Financial Conduct Authority does not regulate some forms of Buy to Let.

How to Secure a Million Pound Mortgage

A million pound mortgage – it’s got a great ring to it. Be you hero or villain – it’s always beneficial to have an underground command centre to impress guests (or deter infiltrators.) Beside the aesthetic, comfortable living or secret sliding doors – high value property can be an investment. A ‘boost in your rocket boots’ towards grander schemes or a nest egg when you hang up the contracting cape. Securing a large mortgage loan can be a major mission even for those with super earning powers.

A Growing Army

You may think a well-funded and focused finance contractor could procure a large mortgage solo. When trying to raise my skyline HQ off the ground however, securing a sound financial foundation was fraught. Today, contractors are a growing army. Our specialised services are in demand more than ever. Still, it could be that some lenders are hesitant to loan large, despite contractor’s high earning powers.

Sole Trader or Limited Company

Part of the problem is that contractors operate in different ways. Where a sole trader may be Batman’s style, Iron Man’s role as an Avenger is more of a company director. With the latter, lenders will look to a combined salary and dividends in a financial year; possibly problematic for contractors who leave profits within the business. In this case, it would be wise to apply for a plus large mortgage to a lender willing to take into account the company’s retained profits.[1]

Specialist Intelligence

There are lending allies out there who know how to assess large mortgage loan applications. You could save time by bringing in a specialist contractor mortgage broker with experience and existing lenders intel to provide a large mortgage loan super-fast!

Broker Boy!

Because even heroes have heroes. There’s times when you have to secure a sidekick so choose well. I sent out the signal for Broker Boy after hearing reports of his modus operandi from fellow super contractors. When he explained how he successfully liaises with allied lenders on a regular basis to secure large mortgages for contractors I was impressed. When he told me he wouldn’t even charge me for doing so I asked him to repeat that. Sorry I asked – you’re a fee free broker? There might be some other types who make contractor mortgages sound easy, but they neglect to mention they charge YOU for the service. Check out this handy matrix on the best contractor mortgage brokers here.

Property Prices Post Brexit

You may have the means but contractors need to look after their money and invest wisely. Well, now could be the time to move to a large mortgage where they are most prevalent – London. A recently published report by Rightmove has shown house prices in the capital falling faster than anywhere else. While there was an overall drop in the rest of the country by 1.2%, London’s house prices have seen a steeper fall of 2.6% equating to a £16,301 reduction in the prices vendors are seeking[2]

In addition to the usual summer slump you can add post Brexit uncertainty. This is marked by the further average fall to 3.6% (£29,188) in prime central areas where overseas buyers are more prevalent.[3] Investment giant JP Morgan has also forecasted a whopping 10% fall in value by the end of 2017 for London’s property market. Forget the rural hideout – city slickers could save on super dwellings!

To give you a snapshot, average house prices in Camden fell 6% to £1,082,224 in July 2016 from £1,153,801 in June 2016. Check out the average house prices in each London Borough with The Average Property Price in Each London Borough Following Brexit on Landlord News.

Beware Fees!

There’s a number of fees to consider and generally the larger the mortgage, the larger they’ll be. The Stamp Duty Land Tax[4] rate on freehold sales is calculated in price bands with a related (rising) percentage in increments of 2, 5,10 and 12%. On a residential freehold property, a million-pound mortgage will incur tax of £43,750[5] – which could stick in the craw a little once the estate agent takes his cut of the property you’re selling.  Then on top of that some other mortgage broker wants to charge you a fee! Er, no thanks I think I’ll engage a fee free broker instead – hello Broker Boy.

UK interest rates at a record low of 0.25

I previously reported on remortgaging that timing is everything. Well Holy, Even More Lowly Rates Batman! That was when the rate was 0.50% and now it’s hit a super small 0.25%. A current lower rate provides some relief from the kryptonite of Stamp Duty Land Tax. What’s more, if you’ve got a large deposit of at least 35 per cent, you could have a “once-in-a-lifetime opportunity” to get a 10 year fixed-rate mortgage at a very low rate.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We do not charge a fee for our services, we receive the commission from the provider.

Registered in Scotland No. SC465654. Registered office is 1st Floor, 207 Bath Street, Glasgow, G2 4HZ.

Super Contractors is a trading style of Contract Mortgages Ltd which is an appointed representative of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority. The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.

[1] Intouch Accounting, Can I get a mortgage as a contractor?, Dec 2015

[2] Evening Standard, London house prices down 2.6% as Brexit and summer slowdown hit, Aug 2016

[3] Evening Standard, London house prices down 2.6% as Brexit and summer slowdown hit, Aug 2016

[4] Stamp Duty Land Tax (SDLT) in England, Wales & Northern Ireland.  In Scotland you pay a Land & Buildings Transaction Tax.

[5] HM Revenue & Customs Calculate Stamp Duty Land Tax (SDLT), Aug 2016

Calculate Your Contractor Borrowing Power

In my line of work, everything is calculated. When developing, realising then executing engineering projects nothing is left to chance. An infallible eye for the smallest detail and a brain built to assess problems and find solutions are minimum requirements. I don’t mentally calculate everything however. Just as Batman can’t swoop up a building without his grapple hook – I use the right tools for the job.

Step 1 – What’s Your Batcave Budget?

But before my batcave is even a blueprint, I want to know it’s true potential. Building or buying big and bold – what’s your property budget? Smaller and more secretive – what can you secure? The first step to gain finance power?  Access the contractor mortgage calculator. A tried and trusted tool, this device will help you find out how much you can borrow as a contractor in the UK.

Step 2 – Calculate Your Borrowing Power

‘Where Does He Get Those Wonderful Toys’* The Joker, after he was foiled again.

Like saving the world sometimes, engineering can be a complex process. It’s never easy or straightforward, so keep what you’re working with simple to use. Batman’s gadgets do what they say on the tin; smoke bomb, grapple hook, utility belt. The contractor mortgage calculator is similarly descriptive. Could your lending be Luthor like or do you have the Peter Parkers pennies? Just enter your contractor day rate and it will give you a blast of your borrowing power.

Calculate Your Borrowing Power

This calculator provides a guide to monthly payments based on daily rate and does not guarantee eligibility for a mortgage. Speak to us for your personalised Key Facts Illustration.

Step 3 – Understand how the Contractor Mortgage Calculator Works

I always look under the hood. Contractor mortgages are based on your current contract’s daily rate. Lenders use that to assess the affordability of an application through reaching a ‘targetable’ annual income.

A common formula used by lenders to project your day rate to annual earnings is as follows; multiply your daily rate (minus VAT) by 5 to give a weekly rate. When projecting annually, there needs to be some compensation for potential employment gaps, holiday breaks (and in the case of Super Contractor’s – various hero duties) Therefore, that weekly rate is then multiplied between 46 and 48 to give a view of yearly earnings. [1]

The resulting annual income will then be multiplied by 4.5 to give a figure for a mortgage offer. This means a contractor on a day rate of £400 has the potential to raise £432,000 to buy or remortgage his HQ. Go on, swoop over to the contractor mortgage calculator now and harness your day rate power!

Step 4 – Deposit Impact

Borrowing is also powered up by the deposit you’ll have available. While a lender may not cackle like The Joker if you don’t have a deposit, he’ll be about as warm to your application as Mr Freeze. There is false intel doing the rounds regarding this; such as a contractor may need to have at least 30% deposit to secure a mortgage. Contractors however, given they meet criteria, have access to the same competitive rates as permanent employees.[2]

At present, you could secure a mortgage with at least 5% of the property’s value. Of course, the larger the deposit the less of a risk you are to a lender. This means they will generally offer better contractor mortgage deals for those who can provide 10% upwards. If you don’t have the capital, don’t think bank heist however – stay Super, not villian!

Step 5 – Boost Borrowing Power

It is another myth that contractors will always pay more than permanent staff. The rate will be set as for any type of employee. Well paid contractors may even have an advantage here for lower rates as permanent staff, as they may have had more disposable income available to put aside for a deposit.

The higher the deposit, the lower the potential interest rate and monthly payments may be (subject to credit rating.) So get super saving – I held off on a new rocket for the Super Mike Mobile to boost my borrowing power instead.

Step 6 – Signal Super Contractors

Picture the contractor mortgage calculator as your first intel gathering.  While it will shape the vision and scope of your planned HQ (skyline penthouse or underground lair?) it does not guarantee eligibility for a mortgage. Knowledge is power and where contractor mortgage advice is concerned don’t ask a Joker – call the broker.  Super Contractors will give you a personalised Key Facts Illustration.

Watch out though! Use this handy mortgage broker matrix  to see which brokers charge fees.  Send your signal to Super Contractors. Our mission is to free you from the tyranny of broker mortgage fees.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We do not charge a fee for our services, we receive commission from the provider.

Super Contractors is a trading name of Contract Mortgages Ltd, registered in Scotland at 1st floor, 207 Bath Street, Glasgow, G2 4HZ SC465654. Contract Mortgages Ltd is an appointed representative of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 435779) for mortgage and non-investment insurance advice.

[1] IPSE, Self-Employed, Contractors and the Mortgage Market Review September 2014, The Telegraph, Finally: lifeline for self-employed on mortgages, October 2014

[2] Gordon Hunter, Pulse Article on LinkedIn, 7 Contractor Mortgage Myths – BUSTED, April 2016

7 Tech Items That Are Obsolete… Just Like Our Broker Fee

Technology comes and goes. It becomes smaller, faster and more powerful. These days it seems crazy to carry around a camera, video camera, MP3 player, laptop, paper maps, etc when it can all be done from your single smartphone.

Read on for our list of 7 Tech Items That Are Obsolete… Just Like Our Broker Fee.

  1. Dial-Up Internet

Aah the good ol’ days. Back when it took a lot of effort (and time) to connect to the internet. The excitement begun when you could hear the horrible screeching noise of a 56K modem trying to dial in. Then wait a good few minutes while Ask Jeeves loaded and you were ready to surf the web…slowly.

  1. Stylus PDA’s

The personal digital assistant. A palmtop. A handheld device that combines computing, telephone, internet and networking features. These are the future, we won’t need anything else… Wait, what’s this Blackberry… oh a touch-screen smartphone with everything I need. See ya Stylus PDA.

  1.  Backing Up Your Data On Floppy Disk or CDs

No need for those physical devices anymore now that our heads are in the Cloud. If you’re not backing up or working online, you’re doing it wrong.

  1. Fax Machine

Who needs fax machines when we can do more things in a quicker and easier manner? Email an agreement with an electronic signature, share a file through WhatsApp or even upload documents to Dropbox. Fax machines, fax off.

  1. Buttons on Phones

Remember when your screen took up less than 50% of your screen. Then there was those bumpy things at the bottom of your device, called buttons. You used them to dial, you used them to text and you even used them to play Snake. They were simpler times – but would you go back?

  1. Dedicated MP3 Players

This isn’t so obsolete but just evolved and integrated within other technologies. The MP3 player is now a standard on any mobile device. Even having individual MP3 files are now becoming less common, with albums and playlists now available to be streamed from Spotify or Google Play.

  1. Pagers

Also referred to as a beepers. The text messaging of the past, that had an inability to reply to a page. Receiving a page came with a total panic of “OMG IT’S BEEPING! Quick where’s the nearest phone so I can call them?!” Thanks to mobile phones, pagers are dying off.

What have we missed? Can you think of tech items that have become irrelevant or unneeded? Comment below.

 

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At Super Contractors, we specialise in contractor mortgages. We understand the financial status of contractors and work alongside head office underwriters who are contractor friendly to get our clients the mortgage they need.

We treat contractors like first class citizens and have a strong belief in justice, starting with not charging a broker fee.

We do not charge a fee for our services, we receive commission from the provider.

For more information about getting a mortgage as a contractor, join us – call  0800 211 8700 or fill out our online enquiry form

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Super Contractors is a trading name of Contract Mortgages Ltd, registered in Scotland at 1st floor, 207 Bath Street, Glasgow, G2 4HZ SC465654. Contract Mortgages Ltd is an appointed representative of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 435779) for mortgage and non-investment insurance advice.