My Contractor Broker was created to solve a problem that still affects thousands of contractors today. Lenders continue to assess UK contract mortgages using criteria designed for permanent employees, which often leads to unnecessary declines or restricted borrowing. Our founder, Andy McBride, had previously worked as a management consultant on a contract basis. The business was built on the first-hand experience of those challenges. Since 2008, we’ve overseen thousands of contractor mortgage applications, all with the same objective: ensuring contractors, freelancers, and locums are not penalised for working in an entrepreneurial way. The aim is simple. Contractors should have access to the same mortgage rates and lender options as permanent employees. That means working with high street lenders who understand contract income properly and structuring applications so that affordability is assessed fairly. Unlike many brokers, we carry out detailed research upfront at no cost. This ensures recommendations are based on lenders that genuinely understand individual circumstances, giving clarity and confidence before an application proceeds. This approach sits at the heart of our services, removing uncertainty and reducing delays throughout the mortgage process. We invest in technology to keep applications efficient and transparent, while specialist training ensures every case is handled by people who understand contract work inside out. The advice you get is impartial, market-wide, and tailored to contract income, not generic profiles. Balancing scale and personal service has helped us to build strong reviews, with our clients valuing speed, consistency, and clear communication. It’s also given us access to competitive rates through contractor-friendly lenders. Borrowing potential can be checked using the online calculator, or options can be discussed directly with a specialist mortgage broker for contractors. Both routes provide clarity without pressure.
About My Contractor Broker
A Clear, Contractor-Focused Approach
Want to find out more about My Contract Broker?
Why Contractors Choose My Contractor Broker
Arranging a contractor mortgage can feel complex. The process doesn’t need to be.
Getting Started
FAQs
