Mortgages for Contractors

Being a contractor can be a great way to work and offer multiple ways to be remunerated.  You may have chosen to have your tax and national insurance looked after by the company you are working for, have an umbrella company doing this instead or have set up a Limited Company where the money goes first and then take a dividend from the profit that you have worked for.

Whichever way you have gone for, there will be lenders that are best for your situation.  We will establish your position and research the market to come back to you with the options available and advise you on the best way forward.

We have looked after contractors in banking, IT, accounting and those in the trades so we understand the variety of industries out there and we can assist with all of them.

The key thing to realise is that not all lenders are the same.  We know the ones that are keen to lend to contractors and more importantly, we can determine which is best for you based on how you are paid and how long you have been working.

You can call us on 020 3585 4665 or complete the box to the right and we will happily call you.

Having Trouble Securing a Mortgage?
Don't panic if your type of job is not listed here. We have helped so many people over the years that whatever you do we can look to help. Your income may be straightforward or complex. We will take the time to learn about what you do, find out how you get paid and what extras you earn and then speak to our lender contacts to find you the best deal.

We are here to help and speaking to us may mean your mortgage potential is better than you thought.
Mortgage Calculator
A typical term is around
25 years for most people
You may be able
to borrow:
£ - - - -


Working as a contractor can make applying for a mortgage challenging if you approach the wrong lender. Not all lenders are geared up to providing mortgages for contractors the same way and knowing which banks and building societies are most comfortable with providing mortgages for contractors will save time and avoid issues during the mortgage process that are easily avoidable if you have some professional help at the outset.

Lenders normal criteria often requires that they see continuity of income, regular payslips and if not an unbroken pattern of employment then at least an easily understandable one. Contractors may fall outside the ‘normal’ experience of some lenders and if they don’t fully understand the income structure and work patterns which are applicable to contractors, then this may lead to mortgage applications being unsuccessful. A comprehensive knowledge of the lenders criteria and the mortgage market is therefore essential to avoid rejection and quickly find the most suitable lenders who understand your earning potential and are happy to provide mortgages for contractors.

Factors like the length and value of your current contract and your previous history will be taken into consideration, so before we suggest a lender for you we’ll go through all the relevant facts with you to ensure we find you a mortgage provider that is best suited to your individual requirements.