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#ContractorMortgages

Specialist contractor mortgage brokers in the UK.

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Moving Home

Planning to move home? Looking to move to a property which you fits your requirements?

As a contractor, you would be aware that the mortgage application process is not the same as of permanent employees. Contractors are seen and dealt with, differently by mortgage lenders. It is important for a Contractor to consider all the mortgage aspects very carefully before applying for a mortgage. Things can become a bit difficult for contractors if a professional help is not taken, purely because, most of the mortgage lenders consider contractors as high risk and this may affect your monthly repayments and the lending amount.

The Challenges

If you are a limited company contractor, it becomes all the more difficult since your accounts and payslips won't reflect your full income. Even if you were trading as an umbrella company contractor, your payslips would not be able to justify your mortgage affordability.

There are still many lenders who are not well versed with the term "Contractor Mortgages". Some mortgage lenders may even ask for 3 years' of accounts.

How we can help

This is where specailist contractor mortgage brokers like us chip in. We have been there and done that, thousands of times. We closely work with contractor friendly mortgage lenders and we ensure that your mortgage application is put in front of key underwriters who understand your employment status and appreciate your niche.

Not only that, we can get you a mortgage offer in principle in a matter of few hours and you could borrow up to 5x of your annual contract income, without proving your income with 3 years accounts. We ensure that you are able to secure funding at the most competitive rates in the market.

Because of our negotiations with mortgage lenders, you could borrow up to 5x of your gross annualised contract income.

Try our contractor mortgage calculator to find out how much you can borrow

Why Choose Us

  • 100% transparency and clarity on the mortgage application process
  • You could borrow up to 5x of your annual contract income
  • Secure mortgages from contractor friendly mortgage lenders and competitive interest rates
  • Specialist 360 degree advice – starting from initial consultation to securing your mortgage offer and beyond
  • Dedicated team of mortgage advisors. Full support and guidance throughout the mortgage application process

What documents would you need?

  • Signed contract
  • 3 Month Bank Statements
  • Up to Date CV
  • Proof of ID

Some additional documents may be required depending on your contracting status. Find out how much you can borrow and also check your mortgage eligibility.

Alternatively, feel free to drop us a line on enquiries@mycontractormortgages.com or request for a free call-back.

Contractor Friendly Mortgage Lenders

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE