Contractor Mortgages

General information

If you're a contractor or freelancer, you probably already know the heartache of being turned down on the High Street for a mortgage.

Yours is, sadly, an all-too familiar tale. And it's often not because you can't afford a mortgage; it's because you don't fit into the pigeon holes lenders train their staff to put applicants into that render them low risk.

No matter what your trading structure - limited company director, LLP, PAYE Umbrella or a self-assessed self-employed contractor - you're going to struggle to convince in-branch advisors of your true affordability. They simply don't understand how you work and what to look for to assess your affordability accurately.

Over the years, we've carried the freelance flag right into the danger-zone and sat down with the lenders' decision makers: the underwriters. The result is that we now have access to these senior underwriters and can apply for mortgages for contractors against strict criteria agreed by both parties.

That you're having no luck on the High Street is no surprise to us. But there is a way. Now, we invite you to lean on our experience, leverage our connections and finally see a clear way to owning your own home.