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Our employment care and financial solutions have been created in order for our employees to reap the rewards of contracting and make the most out of their hard-earned income.

By joining SmartWork, you can also enjoy our financial benefits, each tailored exclusively for you by our highly experienced financial advisors.

We can provide: –

  • Savings & Investment – we offer a wide choice of different solutions to meet your individual needs.
  • Private Medical Insurance – excellent discount available to SmartWork Flexible Employees and access to quality treatment for you and your family, helping you avoid lengthy NHS queues and get back to work sooner.
  • Income Protection – advice on schemes that provide a safety net to help earnings the bills if you fall ill or suffer an injury and are unable to work.
  • Critical Illness Cover – earnings out a lump sum on diagnosis of a range of serious medical conditions.
  • Life Cover – putting your mind at ease that your family will be taken care of in the event of premature death.

Tax

  • Self Assessment Tax Return – we are also able to help you with your tax affairs through our sister company MyAccountant.

Contractor Mortgages

At SmartWork, we believe that working as a contractor should not prevent you from getting a competitive mortgage deal. Our chosen mortgage partner, Contractor Mortgages Made Easy, specialises in helping contractors to overcome the frustrations of securing funding. They offer an established mortgage and financial advisory service that has been specifically tailored for contractors.

Click Here to Calculate How Much You Could Borrow

If you have ever approached a lender directly to secure mortgage funding, you have may have found that your application has been turned away, or reduced borrowing has been offered at higher rates and fees. These frustrating situations are often due to a lack of understanding on the lender’s part surrounding the innovative earnings vehicles that you utilise as a contractor. Contractor Mortgages Made Easy noticed the way that lenders were penalising contractors for having a more entrepreneurial way of working, and argued that this was unfair. They have since spent considerable time educating banks and building societies on contractor earnings vehicles. As a result of their hard work, lenders began to realise that contractors are often good, low-risk borrowers with sustainable incomes.

Contractor Mortgages Made Easy has access to a bespoke underwriting agreement with a wide panel of recognised mortgage lenders. Through bespoke underwriting, contractors are able to borrow based on full gross contract earnings, at the same competitive ‘high street’ rates available to permanent workers. The experienced mortgage consultants at Contractor Mortgages Made Easy offer a completely impartial advisory service which is sourced from the whole of the market.

To find out more about how much you could borrow, visit www.contractormortgagesuk.com or call 01489 555 080. You can also get in touch through email at enquiries@contractormortgagesuk.com

Further details, prices and charges for all of the above are available on request or upon registration as a SmartWork Flexible Employee. Earnings for each benefit chosen are made either by way of deduction from salary at source on a weekly or monthly basis or by direct debit, as appropriate.

Contractor Wealth

Contractor Wealth is a leading Financial Advisory Service which specialises in retirement planning and financial advice solutions for contractors and professionals.

They can help you to review and assess your retirement strategy in order to ensure you can meet your long-term financial objectives.

They offer a wide range of specialist services, including advice on investment, retirement, protection and Inheritance Tax planning, including all types of pension schemes and employee benefit. Contractor Wealth’s focus is on both capital enhancement and capital protection and their success has been based on three core principles; integrity, professionalism and impartiality, coupled with a creative approach to financial planning and a belief in a bespoke client service.

Here is a short summary of the benefits that Contractor Wealth can offer for contractors and professionals:

  • Full review service for existing savings and/or pension provisions held.
  • Full advice and recommendation service for new pensions and investments.
  • Access to an approved panel of pension and investment providers and underlying funds.
  • Completely impartial advice specially tailored to your needs.
  • Ongoing service proposition to continually review your needs, maintain your future plans and ensure that products continue to meet your requirements.

SmartWork are pleased to be working with Contractor Mortgages Made Easy and Contractor Wealth. If you would like to benefit from their expert guidance, please contact us on Enquiries@SmartWork.com for more information.

 

“I’ve never had a problem with SmartWork or the team (only positives), they have worked flat out to iron out issues with my assignment (absolutely nothing to do with them) but they were the vital support I needed. No hesitation in recommending them at all”

Software Project Manager

Speak to our team on
0800 434 6446

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