Contractors don’t fit traditional mortgage models. Day rates, contract renewals, limited companies, and umbrella arrangements all fall outside standard lending criteria. Assessing mortgages using contract income gives a different perspective. Affordability is based on what you earn from your contract, not how closely you resemble a permanent employee. This creates clearer borrowing routes and access to contractor-friendly lenders who understand contract work properly. Answer a few simple questions and find out how much you could borrow. Contract-based assessments focus on your current contract rate rather than payslips or historic accounts. This supports day rate and contract-based mortgages for people working through limited companies or umbrella structures, including contractors early in their careers. Our home-mover mortgages use annualised contract income to show true affordability. This works for both limited company contractor mortgage and umbrella contractor mortgage applications, even where salary, dividends, or payslips don’t reflect real earnings. Contract-based remortgages assess affordability using your contract rate rather than outdated income models. This can apply whether staying with your current lender or switching, often with minimal documentation. Buy-to-let borrowing is usually assessed on rental income, not personal earnings. Support is available for personal and limited company purchases, including a mortgage for freelancers building or expanding a portfolio. Affordability is assessed using contract income. This can suit a mortgage for self-employed professionals looking to raise funds while keeping their current mortgage in place. Experience spans a wide range of sectors, including IT, tech, software, cybersecurity, project manager contractor mortgage needs, and medical & healthcare contractor mortgages for locum doctors, GPs, and nurses. The support we provide covers limited company contractors, umbrella contractors, and day-one contractors, with direct access to lenders who understand contract work.
Mortgages for Contractors
Our calculator shows you how much you could borrow.
First-Time Buyer Mortgages for Contractors
First-time buyers tend to face extra scrutiny when contract income is involved.
Moving House as a Contractor
Selling and buying at the same time can be difficult when income isn’t assessed correctly.
Remortgage Deals for Contractors
When a deal ends, remortgaging often helps avoid higher rates or unlock equity.
Buy-to-Let Mortgages for Contractors
Many contractors invest in property as part of a long-term strategy.
Secured Loans for Contractors
Secured loans let you borrow against your property equity without remortgaging an existing deal.
What Sets Us Apart
The mortgages for contractors we connect you with are built around contract income, not permanent employment assumptions. Day rates and annualised contracts sit at the centre of affordability.
FAQs
