Contractor mortgages
Contractor lending, placed properly.
We are expert brokers for contractors across every industry — from IT and project management to film, construction, energy and beyond.
Your home may be repossessed if you do not keep up repayments on a mortgage.
From offshore energy to City consultancy, contractors rarely fit traditional income assessments. We negotiate with underwriters on your gross contract value, not just your accounts, to unlock the lending your contract truly supports.
We expertly handle
- IR35 status and how lenders interpret it
- Contract gaps and how to evidence them
- Contract types — fixed-term, rolling, project-based, umbrella, limited company
- Renewals and extensions of contracts — requirements differ from lender to lender
- Multiple concurrent contracts
- Limited company contractor structures
- Umbrella arrangements and lender acceptance
- Professional contractors across IT, engineering, medical, consultancy, legal, and finance
What clients gain
Accurate case preparation
Cases packaged the way lenders want to see them, first time.
Fast progression
Professionals moving your application forward every day.
Clear communication
You always know what's happening and why.
If you're a contractor — or you employ contractors — we provide specialist advice that stands up to scrutiny.
Day Rate Calculator
How much could your day rate borrow?
Many lenders assess contractors on gross contract value rather than accounts. Enter your day rate for an indicative view of the maximum lending it could support.
Indicative maximum lending
£539,350
Annualised contract income
£115,000
£500 × 5 days × 46 weeks × 4.69
Want the real figure?
Send us your contract details and we'll confirm what lenders will actually offer.
Indicative only and not a mortgage offer or guarantee. Lender criteria vary and any lending is subject to affordability, credit status, deposit and individual circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage.
These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.