Your Specialist Contractor Mortgage Broker
My Contractor Broker
helps you borrow
with no company accountswhen using an umbrella companybased on gross contract value not tax returnswith as little as a 5% deposit up to 6 x contract value
Does your income work differently? Your mortgage should too.
We structure applications around your contract-day rate so you can unlock the borrowing power that you deserve.
Contractors don’t earn like permanent staff, so why are mortgages still assessed that way?
Payslips, P60s, and rigid income rules don’t reflect contract work, and they’re holding your borrowing back.
A contractor mortgage broker removes those barriers by assessing the way your income is actually earned. The end result is clearer affordability, stronger applications, and access to lenders that understand contract income properly.
See how much you can borrow.
Answer a few simple questions and find out how much you could borrow.
Mortgages that Work the Way You Do
Clearer Decisions and Stronger Outcomes
Standard mortgage criteria just doesn’t cut it.
Umbrella contactors are often assessed on basic payslips alone. Reliable income from holiday pay, bonuses, commissions, and expenses is ignored, so your borrowing power is reduced from the outset.
Limited company contractors face a different issue. Salary and dividends are treated as the full story, but retained profits and tax-efficient structures are overlooked.
How a contractor mortgage broker helps.
Every application with My Contractor Broker is structured around how mortgage lenders for contractors actually assess risk. The focus stays on real affordability, and never on assumptions.
The lender assesses your income on your contract day rate, multiplied by the weeks worked. For example: £500 x 5 x 46 weeks = £115,000. For you, this means fewer delays, fewer unnecessary evidence requests, and simpler decisions.
Want to find out more about our mortgages for contractors?
Built by Experts for Contractors
Short contracts. Renewals. Variable workloads.
Our model is designed for real-world contracting.
It supports mortgage approval for freelancers and contractors who are often wrongly classed as temporary workers. It also suits people with fluctuating income who don’t always fit standard lending profiles.
Working with a freelancer mortgage broker who specialises in contractor support provides access to lenders with a wealth of experience. Whether it’s mortgages for self-employed professionals or independent and self-employed contractor mortgage terms, our team can pair you with lenders who understand the ins and outs of your situation and apply flexibility where it counts.
Why Work With Us?
Built around contractors.
We specialise exclusively in contractor and freelance mortgages. That means we understand contract income, day rates, renewals, and the challenges that come with non-standard working arrangements.
Proven contractor mortgage broker experience.
With over 15 years of contractor mortgage experience, we know how lenders assess contract income and which criteria actually work in practice. That experience shapes every recommendation we make.
A contractor-first approach.
Our approach is simple. Contractors and freelancers should have the same mortgage opportunities as permanent employees. We structure applications to reflect real earning power, not outdated assumptions.
Straightforward, personal service.
We take the time to understand each contractor’s setup and circumstances. Advice is practical, clear, and focused on achieving a successful outcome, not ticking boxes.
Technology that speeds things up.
We invest in technology to keep the process efficient and organised. From documentation to lender communication, everything is designed to reduce friction and avoid unnecessary delays.
Dedicated people, start to finish.
Our team of contractor mortgage brokers is professionally qualified and focused on the contract market. Every application is supported by dedicated case managers every step of the way.