Contractor Mortgages

You’ll need a Mortgage Specialist to find you the best 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 we 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 of lenders who understand 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 the different application procedures and who can process your application with minimal delays saving you much valuable time.

We can secure you a mortgage based on your gross contract earnings. So for those who have just started contracting or have less than three years’ accounts, 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 licence

Find the best mortgage deals, try out our calculator today

Mortgage calculator

It’s our first time to use The Mortgage Brain and they did not disappoint! What a brilliant team. They will guide you all throughout the process, which is very helpful to us as first-time buyers. They are quick and responsive to emails, transparent, and very efficient. Amazing customer service. Special thanks to Liam, Kaitlin and Chloe for making all things smooth for us.

The company and the staff are among the very few people I have dealt with whom I won't hesitate to recommend to family and friends. Darren and Laura are always ready to answer any questions and when they are not sure, always try to find it for you. They made my house buying journey so smooth and effortless and for that am grateful. I will recommend them at heart beat.

Really helpful throughout the process of buying our first home. We had no problems and all went smoothly. We also arranged some insurances through them but felt that this part has been less smooth for some of these and we are still waiting for some of these to be sorted. However, when contacting them about this we have always had fairly prompt replies.

Excellent service all round. Sarah listened to my requirement and matched it up perfectly to the proposal she sent across. The price was competitive and beat my existing provider, but still had all the existing benefits and more. She kept me informed at every step of the process and the end to end process from enquiry was speedy and efficient. I can't recommend them enough!

Contractor Mortgages

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