How is contractor income assessed for £1m+ mortgages?

We prioritise contract-based underwriting (e.g., day-rate × 5 × 46–48 weeks) or a company-director method (salary+dividends/retained profits) with lenders that accept complex income.

What LTVs are realistic on large loans?

Subject to affordability and risk, higher LTVs can be achievable; private banks may tailor LTV with asset and liquidity profiling.

Can I use bonuses, RSUs or retained profits?

Yes with the right lender. We evidence consistency (vesting schedules, award letters, accounts) so they can be considered in affordability.

Do private banks offer better rates for high-value contractor cases?

They can, especially with larger deposits or assets under management. We compare private-bank terms with large-loan desks on total cost.

Will an AIP harm my credit score?

No. We start with a soft-search AIP; hard searches only occur on full application and with your consent.

Are complex properties (new build, listed, flats with high service charges) a problem?

We match lender appetite to property type and valuation criteria to avoid surprises and keep the offer on track.

£1M+ Properties for Premium Day Rate Contractors

High Value Contractor Mortgages

Premium contractor day rates deserve premium property access. Our specialist high-value lenders understand that £1,000+ daily rates justify substantial borrowing for luxury properties and investment portfolios.

£1M+ property specialists
High-net-worth contractor lenders
Premium day rate recognition
Jumbo mortgage expertise

Why High-Earning Contractors Access Premium Mortgages

Premium Day Rate Recognition

Contractors earning £1,000+ per day represent high-net-worth borrowers. Specialist lenders offer enhanced terms, higher multiples, and premium services for this market segment.

Jumbo Mortgage Specialists

High-value mortgages require specialist underwriting. Premium lenders understand large loan complexity and offer solutions unavailable through standard channels.

Manchester Contractor Mortgage Lender Selection

High-earning contractors often build property portfolios. Specialist lenders provide coordinated financing across multiple premium properties and investment strategies.

Exclusive High-Net-Worth Services

Premium contractors access private banking services, dedicated relationship managers, and bespoke mortgage solutions designed for high-earning professionals.

High Value Contractor Day Rate Benchmarks

Senior Technology Contractors

Principal Architects: £1,000-1,500/day CTO/Technical Directors: £1,200-2,000/day AI/Machine Learning Specialists: £1,100-1,800/day Blockchain/Crypto Experts: £1,200-2,500/day Enterprise Security Architects: £1,000-1,600/day

Financial Services Specialists

Investment Banking Contractors: £1,200-2,500/day Risk Management Directors: £1,000-1,800/day Regulatory Transformation: £1,100-2,000/day Trading Systems Specialists: £1,200-2,200/day Compliance Directors: £1,000-1,700/day

Management and Strategy Consultants

Strategy Directors: £1,200-2,500/day Transformation Leaders: £1,000-2,000/day Change Management Directors: £1,100-1,900/day Due Diligence Specialists: £1,200-2,200/day Interim C-Suite: £1,500-3,000+/day

Specialist Professional Services

Legal Consultants: £1,000-2,000/day Medical Consultants: £1,200-2,500/day Engineering Directors: £1,000-1,800/day Scientific Specialists: £1,100-2,000/day

High Value Property Scenarios

£1M London Property

Property: Central London 2-bed flat
Required Income: £1,000,000 ÷ 4.5 = £222,222 annual
Day Rate Needed: £222,222 ÷ 230 days = £966/day
Contractor Profile: Senior architect or director-level contractor
Assessment: £1,000/day = £230,000 annual = £1,035,000 borrowing capacity

£1.5M Family Home

Contractor Focus: Purpose-built for digital sector
Property Types: New build apartments, townhouses
Advantages: Walking/cycling distance to major media employers
Amenities: Shopping, dining, waterfront lifestyle

£2M+ Investment Property

Property: Prime London investment or country estate
Required Income: £2,000,000 ÷ 4.5 = £444,444 annual
Day Rate Needed: £444,444 ÷ 230 days = £1,932/day
Contractor Profile: Interim executive or top-tier specialist
Assessment: £2,000/day = £460,000 annual = £2,070,000 borrowing capacity

Multi-Property Portfolio

Strategy: Multiple high-value properties across the portfolio
Combined Value: £3M+ across residential and investment properties
Financing: Coordinated mortgage strategy across properties
Contractor Profile: Established high-earner with substantial deposit base

Case Studies: High Value Contractor Success

Case Study 1: £1.2M Central London Purchase

Client: Mark, CTO, £1,300/day
Target: £1,200,000 3-bed flat, Canary Wharf
Income Assessment: £1,300 × 5 × 46 = £299,000 annual
Halifax High-Value Team: £1,345,500 borrowing capacity
Strategy: 15% deposit, specialist contractor underwriting
Result: Premium London property with market-leading rates

Case Study 2: £1.8M Family Estate

Client: Sarah, Strategy Director, £1,600/day
Target: £1,800,000 country estate with grounds
Income Assessment: £1,600 × 5 × 46 = £368,000 annual
Barclays Premier Assessment: £1,656,000 borrowing capacity
Strategy: 20% deposit, premier banking relationship
Result: Country estate purchase with comprehensive banking services

Case Study 3: Multi-Property Portfolio

Client: Tom, Interim Finance Director, £1,800/day
Strategy: £2.5M property portfolio across 3 properties
Income Assessment: £1,800 × 5 × 46 = £414,000 annual
NatWest High-Net-Worth: Coordinated financing across multiple properties
Properties: London investment, family home, holiday property
Result: £2,200,000 total borrowing with relationship banking benefits

Case Study 4: Tech Contractor with RSUs

Client: Emma, AI Specialist, £2,000/day plus RSUs
Situation: UK contractor with substantial restricted stock units
Target: £2,200,000 prime London property
Income Assessment: £2,000 × 5 × 46 = £460,000 annual + RSU consideration
Coutts Private Banking: RSU income considered alongside contractor earnings
Result: £2,070,000 mortgage with RSUs enhancing overall financial profile

High Value Contractor Lenders

Major High Street Lenders

Halifax: Market leader in contractor mortgages, high-value specialist teams Barclays: Premier banking services, contractor-friendly high-value lending NatWest: High-net-worth contractor services, jumbo mortgage specialists Skipton Building Society: High-value contractor mortgages, competitive rates HSBC: Premier banking with global contractor expertise

Private Banks - Premium Services

Coutts: Ultra-high-net-worth services can consider RSUs alongside contractor income Investec: Specialist high-value property lending and private banking Aldermore: High-net-worth mortgage specialists Advantage: Bespoke solutions, relationship banking, RSU consideration

Building Society High-Value Services

Leeds Building Society: High-value and offset mortgage specialists Nationwide: Premium mortgage services with contractor expertise Scottish Widows: High-value offset and interest-only products Benefits: Competitive rates with personal service levels

Specialist High-Value Lenders

Masthaven: Premium contractor and high-value property focus Precise Mortgages: Jumbo mortgage specialists Foundation Home Loans: High-value specialist lending Innovation: Products designed specifically for £1M+ properties

Expert Manchester Contractor Mortgage Solutions

Manchester contractors need mortgage brokers who understand regional assessment challenges and can access specialist lenders with Manchester lending appetite and competitive contractor mortgage terms.

With over 20 years’ experience, our Manchester contractor mortgage specialists have helped thousands of North West contractors overcome regional assessment challenges and secure appropriate mortgage solutions.

High Value Contractor Process

Comprehensive review of earning capacity, assets, and high-value property strategy.

Access to private banks and specialist high-value lenders with contractor expertise.

Introduction to private banking services and dedicated relationship managers.

Tailored mortgage solutions for high-value properties and complex requirements.

Ongoing support for building and financing high-value property portfolios.