Contractors don’t fit standard mortgage rules. That’s the reality. My Contract Broker was built to deal with that problem properly, not work around it. Being founded by a contractor means the challenges aren’t theoretical. They’re understood firsthand. Contractors shouldn’t be penalised simply because their income doesn’t look like standard payslips or a neat set of three years of company accounts. An underwriter not taking the time to understand how contracting works shouldn’t impact you, either. That’s why lender education has been a priority for more than 15 years. The goal has always been the same: fair assessments, realistic borrowing, and outcomes that reflect how contractors actually earn. If you’re trading through an umbrella company, you’re often treated as temporary staff. Some lenders even assume CIS. Payslips are requested, and income such as holiday pay, bonuses, commission, or expenses is labelled as variable. In many cases, it’s ignored altogether when calculating borrowing. If you run your own limited company, the picture isn’t much better. Lenders typically ask for one to three years of accounts and then focus only on salary and dividends. If your finances are structured tax-efficiently, borrowing can be reduced even when affordability is strong. In both cases, the issue isn’t income. It’s understanding. That work has led to bespoke contractor underwriting with lenders who genuinely understand the market. The result is mortgage assessments built around contract income, not employment labels. Once you’ve experienced how it should work, passing it on tends to come naturally.
Why Choose Us
Want to find out how much you could borrow?
The Problem
Most lenders still try to assess contractors using both standard employment and self-employed models.
The Solution
The focus has always been on changing how lenders view contractors.
This means access to:
The Process
Everything we do is designed to be clear and efficient.
Refer
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