Purchase under company or personal?

alien123

Dear everyone,

I am new here and hope I can learn a lot of informations by sharing. I have got a question in mind but I cannot actually google it. Hope somebody in here would be an expert to help.

I am a locum pharmacist, which has just started one year of working and are looking to purchase a flat. My parents will give me some support on the deposit too.

First question, I understand its very hard for me to obtain a mortgage because I do not have a regular contracts. Will I still manage to obtain a mortgage with prove of receipts or remittance invoices from company like Boots, Lloyds, Tesco etc?

Secondly, I understand there will be tax advantage if I set up a limited company. As if I sold a flat, the capital gain will not be taxed straightaway. Instead I can use those (suppose to be taxed) money to reinvest on another flat (as it is a investment business). I really want to set up such a company. However, will the banks loan a mortage to a newly set up company as there is no history of income? Parents and I will put all our hard earned money to start and hope everyone can help.

Is it better to purchase under a company or under personal?

Oh, lastly...if we use brokers. Will it be more expensive then we go to the banks ourselves? Sorry to sound so useless as the whole family has never bought a house.

Thanks in advance