Need contractor mortgages? Our specialist contractor mortgage broker has 20+ years experience providing mortgages for contractors across the UK. We’re the leading contractor mortgage broker offering contract-based underwriting and exclusive lender access.
As the UK’s premier contractor mortgage broker, we’ve arranged over 50,000 mortgages for contractors since 2004. Our specialist contractor mortgage broker expertise ensures optimal outcomes for contractor mortgages across all sectors and day rates.
Our contractor mortgage broker relationships provide exclusive access to Halifax, Nationwide, Leeds Building Society, and specialist lenders offering mortgages for contractors. These contractor mortgage rates aren’t available directly.
Our contractor mortgage broker specialists understand contract-based underwriting better than any competitor. We know exactly how to present contractor mortgages for maximum borrowing capacity using day rate assessment.
Whether you need first-time buyer contractor mortgages, contractor remortgages, or buy-to-let mortgages for contractors, our contractor mortgage broker services cover all contractor mortgage requirements.
Contract-Based Underwriting for Contractor Mortgages
Your borrowing capacity = Day Rate × Days Per Week × 46 Weeks × Lending Multiple
Example: £600/day × 5 days × 46 weeks × 4.5 = £621,000 contractor mortgage
Why Use a Specialist Contractor Mortgage Broker
Traditional mortgage brokers don’t understand contractor mortgages. Our specialist contractor mortgage broker expertise ensures:
Contractor Mortgage Documentation
Our contractor mortgage broker process requires minimal documentation:
Market Leadership: UK's largest contractor mortgage lender IT Contractor Advantage: No minimum day rate for technology contractors Contractor Mortgage Broker Exclusive: Rates 0.1-0.3% below public pricing Assessment: Contract-based underwriting for all contractor mortgages
Gap Tolerance: Accepts up to 12 weeks between contracts Manual Underwriting: Individual contractor mortgage assessment Contractor Mortgage Broker Rates: Exclusive pricing not available direct Innovation: Complete contractor mortgage range available
High-Value Focus: Specialist contractor mortgages for £500k+ properties Offset Products: Market-leading offset contractor mortgages Contractor Mortgage Broker Access: Exclusive products only through brokers Assessment: Manual underwriting for complex contractor situations
Premier Services: Enhanced contractor mortgage services for high earners Relationship Banking: Dedicated contractor mortgage relationship managers Contractor Mortgage Broker Exclusive: Premium rates for broker applications Portfolio: Sophisticated contractor mortgage solutions
Specialist Teams: Dedicated contractor mortgage underwriting teams Contractor Mortgage Broker Partnership: Strong broker relationships Innovation: Flexible contractor mortgage products and competitive rates Assessment: Expert contractor income evaluation
Our contractor mortgage broker specialists help first-time buyers access:
Specialist contractor mortgage broker services for remortgaging:
Our contractor mortgage broker expertise covers BTL:
Advanced contractor mortgage broker solutions:
Client: Software Developer, £700/day
Challenge: Thought needed 20% deposit for the first home
Contractor Mortgage Broker Solution: Help to Buy London with 5% deposit
Result: £650,000 London property purchased with £32,500 deposit
Contractor Mortgage Outcome: Homeowner within 6 weeks of application
Client: Business Analyst, £550/day
Previous Problem: High street bank declined for “irregular income”
Contractor Mortgage Broker Intervention: Halifax specialist team application
Assessment: Contract-based underwriting £126,500 annual income
Result: £495,000 contractor mortgage approved in 1 week
Client: DevOps Engineer, day rate increased £500 to £800
Opportunity: Release equity for buy-to-let investment
Contractor Mortgage Broker Strategy: Remortgage plus BTL application
Result: £300,000 equity released + £400,000 BTL mortgage
Outcome: Built property portfolio using contractor income
Client: Management Consultant, £900/day, contract gaps
Previous Declines: 3 brokers failed due to gap concerns
Contractor Mortgage Broker Solution: Nationwide manual underwriting
Assessment: Individual merit-based contractor evaluation
Result: £810,000 contractor mortgage despite 8-week gap
As the UK’s leading contractor mortgage broker, we guarantee to find you the best contractor mortgage available. Our contract-based underwriting expertise and exclusive lender relationships ensure optimal contractor mortgage outcomes.
Don’t waste time with generalist brokers who don’t understand contractor mortgages. Our specialist contractor mortgage broker services are designed specifically for contractors, by contractors, delivering results that other brokers simply cannot achieve.
Your contractor’s success deserves a contractor mortgage broker who understands your income, your challenges, and your opportunities. Let us prove why we’re the UK’s #1 choice for contractor mortgages.
Free Assessment: Review your day rate, requirements, and contractor circumstances
Borrowing Calculation: Immediate contractor mortgage capacity assessment
Strategy: Identify optimal contractor mortgage approach and lender selection
Documentation: Gather the minimal paperwork required for contractor mortgages
Lender Selection: Choose the best contractor mortgage lender for your circumstances
Application Strategy: Prepare a contractor mortgage application for optimal presentation
Expert Submission: Submit the contractor mortgage application to specialist lenders
Progress Management: Handle all communication and progress chasing
Problem Resolution: Address any contractor mortgage queries or complications
Offer Management: Review and explain contractor mortgage offers
Legal Coordination: Liaise with solicitors for smooth completion
Completion: Ensure successful contractor mortgage completion
Rate Monitoring: Alert you to better contractor mortgage rates
Remortgage Opportunities: Identify optimal remortgage timing
Portfolio Expansion: Support additional contractor mortgage requirements
Ans: We’re the UK’s leading contractor mortgage broker with 20+ years experience, 50,000+ contractor mortgages arranged, and exclusive access to specialist contractor mortgage lenders unavailable elsewhere.
Ans: Using contract-based underwriting, typically 4-5x your annual contract income. Example: £600/day = £138,000 annual = £621,000 contractor mortgage capacity.
Ans: Yes, our contractor mortgage broker can arrange mortgages for contractors from their first contract if they have relevant previous employment in similar roles.
Ans: Our contractor mortgage broker relationships provide exclusive rates typically 0.1-0.4% below public pricing, plus access to lenders unavailable direct.
Ans: No upfront fees. We’re paid by lenders on successful contractor mortgage completion, so you only pay if we secure your contractor mortgage.
Ans: All major contractor mortgage lenders including Halifax, Nationwide, Leeds BS, Barclays, NatWest, plus specialist lenders unavailable to other brokers.
