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

It is not the first time that I have used JLM and John Morley to advise me with my remortgage. Having had an excellent,
It is not the first time that I have used JLM and John Morley to advise me with my remortgage. Having had an excellent, personal service previously I had no... ...read more

Ms R

Great service from Julian, he listened to what we wanted and sorted it. We
Great service from Julian, he listened to what we wanted and sorted it. We'll definitely use his services again.... ...read more

Mr T

Thanks to JLM we were able to buy the home that we wanted.  Rory was very helpful as always and he always put us at
Thanks to JLM we were able to buy the home that we wanted. Rory was very helpful as always and he always put us at ease. I would recommend JLM... ...read more

Ms M


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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