Become our Member

Our aim is to facilitate business to business connections, helping your company raise its profile, increase its valuable contacts and develop new contracts. Join us and start networking with Diverse Entrepreneurs today. Call us if you have any questions.

Select Your Membership Type

Individual Membership
From £55
per quarter
Self-employed & businesses with up to 3 business owners
Corporate Membership
From £105
per quarter
For businesses with 51+ employees

Customer Testimonials

PBLINK is an ideal professional business platform organised by Poles in the UK. It provides not only an excellent opportunity to introduce your business, expand your client base, improve your business skills but also to meet and socialise with like-minded people.The networking events are organised in a very relaxing but still professional manner, e.g. practising on the golf course, gambling in the casino, cruising on Thames.

Call Bartek, the main Man behind the PBLINK, how else your business can benefit from the membership.

 

Since setting up my business networking was, will be and is one of the main forms of marketing for my company. I have taken part in many networking events in my ten years as a financial adviser. Bart’s organisation is defiantly one which I fully recommend for new and existing businesses. Fully professional and always ready to help. Well done and keep going Bart!

 

PBLink is a really great initiative – harnessing the entrepreneurial spirity of Polish people working in the UK, with GREAT British producers and service companies. For British companies interested in Poland, the kind we help every day, working with a local Polish person can really help grow your business. For Poles working in the UK, the support of local British companies like our 70+ BPCC chamber members can really make a difference. Wherever you’re from, PBLink is agreat organisation that help you connect, communicate and create value for your company. We’re proud to support PBLink in the UK and Poland.

Best place for business in the UK with a Polish twist. Informative & easy to navigate and network

Capital Business Links Ltd  highly recommend PBlink for its professional approach and expertise provided by friendly and enthusiastic team and extremely knowledgeable and charismatic director.

Tips for applying for a mortgage if you are self-employed

Applying for a mortgage can be a daunting task and with the self-certification mortgage no longer available, the self-employed can feel more vulnerable than employees.

However, in reality, a self-employed person now has access to the same mortgages as an employed person. Some lenders may market themselves as specialising in mortgages for the self-employed but most will routinely grant the required funds to self-employed people, so in most cases there’s no need to use a specialist.

A lender will want evidence to verify the income a self-employed person declares. Each financier will have different criteria but typically, they will ask a self-employed person for:

An Accountant’s certificate; or
The last two or three years’ accounts; or
The last two or three HM Revenue & Customs’ forms SA302 and corresponding Tax Year Overviews

For sole traders, the banks will look at what profits the business makes and in the case of partners, their share of the profits.

For directors of limited companies, the banks will either be looking at the salary they take from the company and the company’s profits, or they will look at the salary and the dividends they receive.

To give sole traders, partners and directors the best possible chance of successfully applying for a mortgage, we summarise the actions they need to take to get their house in order:
A healthy business

Nevertheless, a lender will want to see a profitable business for the period for which they have requested evidence. They will be looking for a business that has steady or growing profits; not profits that are dramatically fluctuating from year-to-year.

Banks may also look at the balance sheet in the business’ accounts. If assets exceed liabilities, this can be a tell-tale sign of a business that is in a strong, healthy position.

If you don’t have the number of years of accounts or tax returns behind you that you need, all is not lost. Some lenders may be prepared to look at contracts and jobs you have planned for the future. They may also be more confident if you’ve only just left employment in the industry your business operates in.
Tax bill versus mortgage

Unless you’re trying to sell your business, we tend to drive down profits to minimise our tax liability. However, just be wary the impact this strategy can have if you want to get a mortgage.
Keep your records in order

Make sure your paperwork is in a decent condition. Handing over dog-eared or crumpled paperwork will make the bank think you’re disorganised and unprofessional.
Be up to date

Banks aren’t fond of draft figures, so if you can, get everything finalised and filed before applying for finance. You will also need to make sure that the accounts or tax returns are as up to date as possible; and certainly, the accounts should be no older than 18 months.

Remember a bank is likely to look at your personal circumstances and that of the business, so make sure you’re up to date with payments for loans and credit cards etc.
Clean up your credit rating and save!

Whether you’re employed or self-employed, a clean credit history is always important and the bigger the deposit you have, the better your chances of being successful, the broader the range of mortgages available to you and potentially the lower the borrowing costs.

If you already have or have had a mortgage in the past and you had a good track record, the banks may be more favourable, plus you may also have some equity behind you.
A mortgage broker

Whatever your employment status, a mortgage broker or independent financial adviser can be incredibly useful. They can walk you through the process, help with the application and find mortgages that you wouldn’t come across yourself. They may also have some experience of which lenders might be more flexible if business owners don’t have the required number of accounts or tax returns for example.

Author: https://www.taxassist.co.uk

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