CONTRACTOR MORTGAGES
Working as a contractor?
We specialise in contractor mortgages
Your home may be repossessed if you do not keep up repayments on a mortgage.
The Financial Conduct Authority does not regulate some forms of Buy-to-Lets.
NAILED IT, AGAIN
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Guidance you can trust
Straightforward, no jargon advice
Support at every stage
Questions encouraged
NEED A MORTGAGE AS A CONTRACTOR?
Whether you are a career contractor or just starting your first assignment, securing a mortgage isn’t always straightforward.
High-street banks can be rigid, their criteria can be outdated, and the wrong advice can lead to a declined application based on your employment structure.
Common reasons contractors struggle to get a mortgage:
Low salary/dividend figures
Gaps between contracts
Limited trading history
New to contracting
WHICH LENDER CRITERIA DO YOU FIT?
Every lender uses different criteria for contracting. We navigate the market to find the one that matches your specific situation:
First-time contractors
Contracts not yet started
Gaps in contract history
Daily rate-based lending
Fixed-term professionals
Low years of accounts
THERE ARE BETTER OPTIONS
A mortgage should be based on your true earning potential, not just the "tax-efficient" salary you pay yourself.
With the right lender, you can use your gross daily rate to prove affordability, often allowing you to borrow significantly more than a standard employee.
CONTRACTOR MORTGAGE SPECIALISTS
We’re independent mortgage advisers who help professional contractors secure homes every day.
Access to specialist lenders
Expertise in contract income
A realistic plan for your move
CHOOSE HOW YOU
ENQUIRE WITH US
STANDARD ENQUIRY
Takes 30 seconds
Basic information
Reply within 24 hours
PRIORITY PASS
Skip the queue
Arrange your mortgage ASAP
Get results
WHY THE BANKS SAY “NO”
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Banks may undervalue your property or take a cautious view on available equity, limiting how much you can release.
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Even when current payments are manageable, lenders apply strict stress tests that can restrict borrowing for improvements.
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Some lenders are less flexible about borrowing for home improvements and apply tighter criteria than necessary.
SPEAK TO AN EXPERT TODAY
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A previous decline doesn’t mean there are no options. It usually means the lender wasn’t right for your situation.
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No. An initial conversation and assessment won’t affect your credit file.
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That depends on your situation, but we focus on clear answers and efficient progress from the start.
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This is not a problem at all. Our role is to explain things clearly, without jargon, so you always know what’s happening.
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We assess your situation, explore suitable lenders, and guide you through the process — helping you avoid common pitfalls along the way.
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We will only supply exactly what the lender asks to avoid delaying the process. We also keep minimum documents needed for our internal compliance.
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That’s our job. We compare this for you and check what lenders are available, so you can make the right choice without having to do it yourself.
GEORGE GRIFFITHS
MANAGING DIRECTOR
