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Contractor Mortgages

Don’t waste time on the high street, get your contractor mortgage today with our award winning advisers.

Just a note to advise you that my re-mortgage completed on Tuesday 15th May! It was an unbelievably easy process and I thank you all for your efforts on my behalf to make this happen.... Rich Stevens, Contractor
£ a day

We’ll find you the right mortgage specific to your contractor status!

Worried you won’t be able to get a mortgage now that you’re a contractor?

When it comes to a mortgage application, as a limited company contractor your accounts won’t reflect your full income. Or, if you work via an umbrella company any payslips you do have will raise more questions than they answer when it comes to proving affordability for a mortgage.

Help is at hand. We can secure “high street” mortgages for contractors.

At ContractorMoney we are eager to prove that you can easily secure the same ‘high street’ mortgages as a permie.

How do we do it?

Simple. We make use of the expertise and contacts built up over more than a decade of specialising in this field. We ensure that your application is put in front of key mortgage underwriters within the lending institutions who understand your unique employment status and appreciate that demand for your skills is still high. Because of this approach we can avoid the branch networks of the mortgage providers and help remove the difficulties that freelancers often face when dealing with financial institutions.

Submit your contractor mortgage enquiry and one of our advisers will be in touch shortly.

4 Reasons To Choose Us

As we have been in the market place since 1999 we are experts in finding the right mortgage to suit your individual circumstances - so you benefit from all of our help and advice 

We search the whole of the market to find you the best mortgage to suit your unique needs because we are Independent Financial Advisersyou get access to the same rates as the high street, with none of the hassle

Thanks to our ongoing negotiations, our lenders offer generous multiples of your contract rate (you can borrow up to 5x)so you get that bigger, better home with ContractorMoney

We have unique mortgage deals with lenders that are exclusive to ContractorMoneyso you get a far bigger range of mortgages for contractors to choose from

We can secure mortgages based on your contract rate aloneso you avoid the hassle of proving your income with company accounts and SA302’s

Our uniquely freelancer focused mortgage service is ultra fast and efficientusing technology to ensure you get your mortgage offer quicker and can move in without any of the hassle that contractors usually face

Uniquely specialist IFAssince 1999, we have helped 22,000 individual contractors

98.5% of our clients would recommend us - We offer £50 if you refer a friend or colleague to ContractorMoney, find out more

What Do You Need To Do?

  1. Find out how much you can borrow

    Use our Mortgage Calculator to see a guide figure of how much you could borrow.

  2. Fill in the simple Mortgage Enquiry Form

    Take 30 seconds and complete our simple Mortgage Enquiry Form and we will start searching for the right mortgage for you.

  3. Let us find you the best Contractor Mortgage

    One of our experienced, friendly advisers will contact you to discuss the best contractor mortgages available to you. Alternatively, you can call us on 0333 370 8080 and a member of our team will be delighted to help you.

A Mortgage To Suit Your Needs

Getting a mortgage as a contractor couldn't be easier thanks to the specialist contract based underwriting that we have negotiated with high street lenders. Whilst we will always assess any accounts that you may have, invariably using a multiple of your gross annualised contract rate alone to assess how much you can afford to borrow, will ensure affordability is based on what you actually earn, rather than what you draw through your limited company or what your payslips show. This means you can borrow more because any tax saving methods that you employ wont be taken in to account when calculating your mortgage affordability. As experts in freelancer mortgage advice we understand how to package and submit your mortgage application to ensure success with your chosen contractor friendly lender. We have built strong relationships with these lenders over the last fifteen years and we use these contacts on a daily basis to your advantage. Our experienced team will be here every step of the way to aid you through your application. We understand how busy you are, which is why our first class service is delivered over the phone, via email and by post, leaving you more time to focus on the demands of your contract.

Remortgaging is usually perceived as a tricky and expensive business, but this needn’t be the case. Whether you want to remortgage to release equity for home improvements or simply lower your repayments, our expert remortgage team are here to help you find a better deal. We can often arrange to have legal and valuation fees paid by the lender so remortgaging could be cheaper and easier than you think.

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Contractors can now become a homeowner with just a 5% deposit. The Governments Help to Buy scheme offers a choice between the equity loan for new build properties and the mortgage guarantee which is available on new and previously owned homes up to the value of £600,000. The scheme has recently been extended until 2020 due to its popularity so find out how you could benefit today.

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Buy to let mortgages have grown steadily in popularity over recent years and with investors seeing higher returns than ever before and a constant demand for rental properties, it is easy to understand why. Whether you want to grow your portfolio or simply make a start, our buy to let experts are here to help. We can even secure you a buy to let contractor mortgage with a 15% deposit.

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For too long self build homes have been seen as an option for a privileged few. A self-build contractor mortgage is now attainable for all contractors. If you have always dreamed of building your own home, then a self-build mortgage is perfect for you. You will require a 35% deposit and your chosen lender, will lend you 65% of the property plot or value and cover the costs to build your new home.

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Taking your first step onto the housing ladder can be daunting, especially as a contractor because you may encounter problems securing a mortgage on the high street. Thanks to our contract based underwriting, getting a contractor mortgage as a first time buyer couldn't be easier. Our advisers and administration team will guide you through the whole process so you don’t need to worry about a thing. You could even take advantage of the governments Help to Buy scheme which allows you to become a homeowner with just a 5% deposit so you won’t need to delay your dreams of homeownership while you save a large deposit.

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Mortgages For All Contractors

Getting a mortgage as an IT contractor couldn’t be easier with the help of our contract based underwriting. You no longer have to worry about what the accounts of your limited company or payslips show, or any tax saving methods you have in place as your contractor mortgage will be based solely on your contract rate. We take the hassle out of the process, and will handle everything for you, so that you can focus on the demands of your busy lifestyle.

When you are busy on site, the prospect of securing a mortgage may seem so far out of reach. Notoriously high street lenders have made the mortgage process for contractors outside of the IT arena quite challenging but we have broken down those barriers with our specially negotiated contract based underwriting. We understand that as an engineering contractor you are often taken overseas but this doesn't mean that you don’t want a square of the UK to call home. ContractorMoney can take away the hassle of the mortgage process, giving you peace of mind to focus on your day job.

As a contractor working in the Oil & Gas sector, the prospect of securing a mortgage may seem unachievable as high street lenders have notoriously made the mortgage process for contractors outside of the IT industry quite challenging. With our help, securing a contractor mortgage couldn't be easier because we have negotiated specialist contract based underwriting that is ideally suited to energy contractors. We work via email, over the phone and by post to secure a mortgage of up to 5 times your annualised contract rate so it won’t matter if you are posted in the middle of the China Sea, we handle the entire process so your new home could be ready and waiting for you when you return.

It can be daunting to step out of your corporate role as a permie and leap in to a new career as an Interim Manager, not least because of the perceived barriers to becoming a homeowner or remortgaging. We have negotiated specialist underwriting with high street lenders that breaks down these barriers because we can secure your mortgage based on a multiple of your annualised contract rate alone. Our award winning mortgage team will handle the whole process for you, leaving you free to focus on the demands of your contract and we work solely via phone, email and post so you avoid the hassle of lengthy face to face meetings.

When you reach the stage in your career that you have the option to work flexibly as a contractor, it can be both exciting and daunting in equal measure but don’t let fears over mortgage affordability stop you from taking the leap. We can help you to overcome the hurdle of securing a mortgage in your new role because we have negotiated specialist contract based underwriting that often allows you to borrow more than you could as a permie. Whether you are a legal professional, a locum doctor or a teacher; whatever your profession, securing a mortgage couldn’t be easier. Our dedicated team take care of the entire application process so that you can focus on the demands of your contract.

What Do You Need To Do Next?

Take 30 seconds now to fill out our mortgage finder form and we’ll find you the best contractor mortgages available to you. Alternatively, you can call us and speak to a member of our friendly team who will be delighted to help you with any queries regarding mortgages for contractors.