Contractor Mortgages

Why choose a Mortgage Specialist to find you a mortgage?
We pride ourselves on getting the best mortgage based on your contract earnings, removing the need for you provide payslips or accounts and often can access more funds than those who are employed.
Contractors face problems where you minimise your tax bill by using legitimate methods to reduce your taxable income; although this is great for tax planning, this affects your potential borrowing amount.
As an independent mortgage broker, we have over the years, been building our network with lenders who understanding a contractor's payment structure. Using their standard multiplier on your annualised contract earnings helps them determine the maximum amount they will lend you.
We know which lenders will best suit your circumstances, we understand each of the lenders application process and who can process your application with minimal delays saving you much valuable time.
best contractor mortgage lenders
We can secure you a mortgage based on your gross contract earnings. So for those who have just started contracting or have less than 3 years’ accounts, then you can still apply for a mortgage.
All we will need from you is:

A signed copy of your current contract, displaying your rate

An up-to-date copy of your CV confirming your employment history

The last 3 months’ bank statements confirming your contract earnings

Proof of ID, passport, utility bill or driving license

And because this is all we will need, often applications are processed more quickly than standard mortgages.
Find the best mortgage deals, try out our calculator today
What our happy customers say about
The Mortgage Brain
Great work, great mortgage deal

I would not go anywhere else for a mortgage deal. Enzo gets me the best deal every time I visit and provides a service that is second to none.

Steve, Gloucester

Excellent service

Excellent service, highly recommended. Great communicators and very helpful for us as first-time buyers.

CJS

Excellent!

Always there to help with helpful and honest advice, would recommend to anyone. We are first time buyers and they really helped with simplifying all the jargon and giving us great advice.

Chris M

Great communication and customer…

Great communication and customer service throughout the process.

Customer

Highly recommended

A very helpful, trustworthy and straight,-talking service that got us the result we wanted

First time buyer

Well rounded company

Very informative personnel, happy to help and easy to communicate with. I would definitely recommend

Customer

Excellent service!

Excellent service!
Couldn’t ask for.more. thank you so much !!

Mr&Mrs Martin
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Can’t find what you are looking for?
You can call one of our expert Mortgage & Insurance advisers anytime on 0333 340 8888 or