Independent Mortgage Advisers

Contractors Mortgages

An open-minded approach

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Contractors, whether IT, Banking or other professions, find that Lenders treat them as self-employed, which restricts choice an loan size. Our many years of experience in this sector means that we can access lenders who will use your contract value or day rate, to give you what you require with much less stress.

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What our clients say

As usual Julian went above and beyond to sort our mortgage and move.
As usual Julian went above and beyond to sort our mortgage and move.... ...read more

Mr W

I have used Rory’s expertise for more than 10 years now and absolutely recommend him for several reasons. He really
I have used Rory’s expertise for more than 10 years now and absolutely recommend him for several reasons. He really knows his subject, an absolute professional, he works incredibly hard... ...read more

Paul Jaggard FCILT

I had the good fortune of being recommended to Phil Gander during a recent house move. Phil was reliable, upfront and
I had the good fortune of being recommended to Phil Gander during a recent house move. Phil was reliable, upfront and very efficient arranging a mortgage product that far better... ...read more

Mr C


Case Study:

Contractors Mortgages

Mr M had been employed in the IT industry for many years and working as a self-employed contractor for 18 months. As a new business, while his daily rate of pay was high, his net profit for his first year of business was modest.

Solution

We were able to find a high street lender who was happy to lend on the contract value, rather than his self-employed income, meaning that his borrowing capacity was three times higher than it might otherwise have been.

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