{"id":131,"date":"2017-02-07T16:42:19","date_gmt":"2017-02-07T16:42:19","guid":{"rendered":"http:\/\/188.166.168.151\/2017\/02\/07\/musician-finance-1-how-to-get-a-mortgage-2\/"},"modified":"2020-05-20T10:08:37","modified_gmt":"2020-05-20T09:08:37","slug":"musician-finance-1-how-to-get-a-mortgage-2","status":"publish","type":"post","link":"https:\/\/encoremusicians.com\/blog\/musician-finance-1-how-to-get-a-mortgage-2\/","title":{"rendered":"Musician Finance 1: Getting a Mortgage"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2017\/02\/calculator-385506_960_720.jpg\" alt=\"\" \/>Ever wondered how to go about <strong>buying a house<\/strong>? Getting a mortgage can be tricky for freelance musicians &#8211; with variable incomes from sources that your bank may not recognise &#8211; but it&#8217;s definitely possible.<\/p>\n<p>For the first instalment of this <strong>3-part blog series on musician&#8217;s finances<\/strong>, I talked to three financial experts, <strong><a href=\"http:\/\/www.liddelowfs.co.uk\/\">Adam Liddelow<\/a><\/strong>, <strong><a href=\"http:\/\/www.davidcarnac.co.uk\/\">David Carnac<\/a><\/strong> (former pro musician and specialist in musician mortgages) and <strong><a href=\"https:\/\/blueprintkent.co.uk\/\">Claire Sweet<\/a><\/strong> (amateur musician and specialist in musician mortgages), about how to get a <strong>mortgage.<\/strong><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_57_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69ed9c1415805\" ><span class=\"\"><span style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" aria-label=\"item-69ed9c1415805\"  type=\"checkbox\" id=\"item-69ed9c1415805\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/encoremusicians.com\/blog\/musician-finance-1-how-to-get-a-mortgage-2\/#Adam\" title=\"Adam\">Adam<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/encoremusicians.com\/blog\/musician-finance-1-how-to-get-a-mortgage-2\/#David\" title=\"David\">David<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/encoremusicians.com\/blog\/musician-finance-1-how-to-get-a-mortgage-2\/#Claire\" title=\"Claire\">Claire<\/a><ul class='ez-toc-list-level-6'><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6'><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6'><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/encoremusicians.com\/blog\/musician-finance-1-how-to-get-a-mortgage-2\/#Check-out-the-other-blogs-in-this-series\" title=\"Check out the other blogs in this series:\">Check out the other blogs in this series:<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3 id=\"adam\"><span class=\"ez-toc-section\" id=\"Adam\"><\/span><strong>Adam<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>The first step is to gather a <strong>suitable deposit<\/strong>, starting to save as soon as you earn enough money to put some aside each month. 5% deposits are possible through the government <strong><a href=\"https:\/\/www.helptobuy.gov.uk\/\">Help to Buy<\/a><\/strong> scheme \u2013 otherwise, you will need a minimum of 10%. [So for a \u00a3200,000 house, you&#8217;ll need at least a \u00a310,000 (5%) deposit.]<\/li>\n<li>Your <strong>deposit amount<\/strong>, rather than your income, will dictate what <strong>interest rates<\/strong> are available to you \u2013 so the bigger your deposit, the better your rate. And don&#8217;t forget about <strong>stamp duty<\/strong>: if you are buying your first property, the stamp duty in 2016 on a <strong>\u00a3300,000<\/strong> property is <strong>\u00a35,000<\/strong>. [<a href=\"https:\/\/www.gov.uk\/stamp-duty-land-tax\/overview\">Stamp duty<\/a> is a tax owed on the purchase of property above a certain threshold.]<\/li>\n<li>As most freelance musicians are self-employed as sole traders or have formed their own limited company, most lenders will want to see <strong>two years\u2019 worth of audited accounts<\/strong> before they would be willing to consider your mortgage application. You can expect to be able to borrow around <strong>4.75 times your income<\/strong>. If you have any existing credit commitments or debt, this multiple will reduce accordingly.<\/li>\n<li>Finally, it is important to identify what state your <a href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/articles\/how-to-check-your-credit-report\"><strong>credit file<\/strong><\/a> is in. It is always a good idea before embarking on your property search to request your credit file from a credit agency. This will help to identify if you have a good <strong>credit score,<\/strong> and ensure there are no previous late payments or defaults that may hinder your application. [Check out these <a href=\"http:\/\/www.experian.co.uk\/consumer\/improve-credit-score.html\">tips from Experian<\/a> on how to improve your credit score.]<\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2017\/02\/chair-1840526_960_720-1.jpg\" alt=\"\" \/><img data-attachment-id=\"655\" data-permalink=\"https:\/\/encoremusicians.com\/blog\/musician-finance-1-how-to-get-a-mortgage-2\/mortage2\/\" data-orig-file=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage2.jpg?fit=960%2C600&amp;ssl=1\" data-orig-size=\"960,600\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"mortage2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage2.jpg?fit=300%2C188&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage2.jpg?fit=770%2C481&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" class=\" size-full wp-image-655 aligncenter\" src=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage2.jpg?resize=770%2C481&#038;ssl=1\" alt=\"mortage2\" width=\"770\" height=\"481\" srcset=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage2.jpg?w=960&amp;ssl=1 960w, https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage2.jpg?resize=300%2C188&amp;ssl=1 300w, https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage2.jpg?resize=768%2C480&amp;ssl=1 768w, https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage2.jpg?resize=343%2C215&amp;ssl=1 343w, https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage2.jpg?resize=326%2C205&amp;ssl=1 326w, https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage2.jpg?resize=163%2C102&amp;ssl=1 163w, https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage2.jpg?resize=320%2C200&amp;ssl=1 320w\" sizes=\"(max-width: 770px) 100vw, 770px\" data-recalc-dims=\"1\" \/><\/p>\n<h3 id=\"david\"><span class=\"ez-toc-section\" id=\"David\"><\/span><strong>David<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>As tempting as it can be to want to spend the money when it starts coming through, those clients of ours who have achieved their housing aspirations tend to be those who <strong>save first<\/strong> rather than spend first.<\/li>\n<li>Lenders can get confused by the multiple sources of income that freelance musicians often have. Keep or get your <strong>accounts up to date<\/strong> and keep your payslips if you do have <strong>PAYE earnings<\/strong> as often these earnings are more often than not &#8220;zero hour contracts&#8221;, which require careful scrutiny. [Pro tip &#8211; <a href=\"http:\/\/blog.joinencore.com\/encore-pay-upgrading-the-music-industry\/\">Encore Pay<\/a> now provides invoices for your gigs!]<\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2016\/11\/dave-carnac.jpg\" alt=\"\" \/><img data-attachment-id=\"656\" data-permalink=\"https:\/\/encoremusicians.com\/blog\/musician-finance-1-how-to-get-a-mortgage-2\/mortgage3\/\" data-orig-file=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage3.jpg?fit=259%2C300&amp;ssl=1\" data-orig-size=\"259,300\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"mortgage3\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage3.jpg?fit=259%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage3.jpg?fit=259%2C300&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" class=\" size-full wp-image-656 aligncenter\" src=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage3.jpg?resize=259%2C300&#038;ssl=1\" alt=\"mortgage3\" width=\"259\" height=\"300\" srcset=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage3.jpg?w=259&amp;ssl=1 259w, https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage3.jpg?resize=173%2C200&amp;ssl=1 173w\" sizes=\"(max-width: 259px) 100vw, 259px\" data-recalc-dims=\"1\" \/><\/p>\n<p><center>&#8220;Best bit of advice I was given when I was a professional musician was from a trombonist, who said always save a quarter of what you bank.&#8221; &#8211;<em>David Carnac<\/em><\/center><\/p>\n<h3 id=\"claire\"><span class=\"ez-toc-section\" id=\"Claire\"><\/span><strong>Claire<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Musicians tend to have <strong>variable income<\/strong>, which can make financial planning a little more tricky than for a salaried employee with a regular income. That being said, lenders are increasingly more open-minded on types of income as long as you have the <strong>paperwork<\/strong> to prove it.<\/li>\n<li>The key thing is sitting down with your <strong>Financial Adviser<\/strong> and talking about the type of property and likely purchase price, so that you can work backwards both to save the <strong>deposit<\/strong> that you need and ensure that you accounts reflect the necessary level of income.<\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2017\/02\/architecture-22030_960_720.jpg\" alt=\"\" \/><img data-attachment-id=\"657\" data-permalink=\"https:\/\/encoremusicians.com\/blog\/musician-finance-1-how-to-get-a-mortgage-2\/mortgage4\/\" data-orig-file=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage4.jpg?fit=960%2C639&amp;ssl=1\" data-orig-size=\"960,639\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"mortgage4\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage4.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage4.jpg?fit=770%2C513&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-657\" src=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage4.jpg?resize=770%2C513&#038;ssl=1\" alt=\"mortgage4\" width=\"770\" height=\"513\" srcset=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage4.jpg?w=960&amp;ssl=1 960w, https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage4.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage4.jpg?resize=768%2C511&amp;ssl=1 768w, https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortgage4.jpg?resize=104%2C69&amp;ssl=1 104w\" sizes=\"(max-width: 770px) 100vw, 770px\" data-recalc-dims=\"1\" \/><\/p>\n<p><strong>Bottom line?<\/strong> Even in a tight housing market, it&#8217;s definitely possible to buy a house. Start putting aside money for a deposit now, and take some time to think about your housing goals. Good luck!<\/p>\n<h6 id=\"checkouttheotherblogsinthisseries\"><span class=\"ez-toc-section\" id=\"Check-out-the-other-blogs-in-this-series\"><\/span>Check out the other blogs in this series:<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<ul>\n<li><a href=\"http:\/\/blog.joinencore.com\/musician-finance-2-saving-for-retirement\/\">Musician Finance 2: Saving for Retirement<\/a><\/li>\n<li><a href=\"http:\/\/blog.joinencore.com\/musician-finance-3-using-an-accountant\/\">Musician Finance 3: Doing your Taxes<\/a><\/li>\n<\/ul>\n<p><strong>Adam Liddelow<\/strong> works at <a href=\"http:\/\/www.liddelowfs.co.uk\/\">Liddelow Financial Services<\/a>, an Isle of Wight and London-based advisory firm, providing expert wealth planning for private and commercial clients in the UK.<\/p>\n<p><strong>David Carnac<\/strong> entered the Financial Services industry in 1987 following a brief career as a professional musician after graduating from the Guildhall School of Music. He gained extensive industry experience during the following ten years before setting up his own company, <a href=\"http:\/\/www.davidcarnac.co.uk\/\">David Carnac &amp; Co.<\/a>, an independent practice totally focused on meeting the requirements of his clients. In 2017 he celebrates twenty years in business and twenty-five years since arranging his first mortgage for a musician client.<\/p>\n<p><strong>Claire Sweet<\/strong> is a Financial Adviser and amateur musician who has been helping musicians organise their life and their finances for more than nine years, using a friendly but sensible approach to provide advice to clients of all ages and backgrounds. Further details can be found at <a href=\"http:\/\/www.peacetogether.co.uk\">www.peacetogether.co.uk<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>Encore is one of the world&#8217;s largest musicians&#8217; networks.Join now for free at <a href=\"https:\/\/www.joinencore.com\">www.joinencore.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ever wondered how to go about buying a house? Getting a mortgage can be tricky for freelance musicians &#8211; with variable incomes from sources that your bank may not recognise &#8211; but it&#8217;s definitely possible. For the first instalment of this 3-part blog series on musician&#8217;s finances, I talked to three financial experts, Adam Liddelow, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":654,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[222],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Musician Finance 1: Getting a Mortgage | Encore Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/encoremusicians.com\/blog\/musician-finance-1-how-to-get-a-mortgage-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Musician Finance 1: Getting a Mortgage | Encore Blog\" \/>\n<meta property=\"og:description\" content=\"Ever wondered how to go about buying a house? Getting a mortgage can be tricky for freelance musicians &#8211; with variable incomes from sources that your bank may not recognise &#8211; but it&#8217;s definitely possible. For the first instalment of this 3-part blog series on musician&#8217;s finances, I talked to three financial experts, Adam Liddelow, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/encoremusicians.com\/blog\/musician-finance-1-how-to-get-a-mortgage-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Encore Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/joinencore\" \/>\n<meta property=\"article:published_time\" content=\"2017-02-07T16:42:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-05-20T09:08:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/encoremusicians.com\/blog\/wp-content\/uploads\/2018\/04\/mortage.jpg?fit=960%2C565&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"565\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jonny Venvell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@joinencore\" \/>\n<meta name=\"twitter:site\" content=\"@joinencore\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jonny Venvell\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Musician Finance 1: Getting a Mortgage | Encore Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/encoremusicians.com\/blog\/musician-finance-1-how-to-get-a-mortgage-2\/","og_locale":"en_GB","og_type":"article","og_title":"Musician Finance 1: Getting a Mortgage | Encore Blog","og_description":"Ever wondered how to go about buying a house? 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