Not everyone has a simple salary and a P60. If your income is a little different — whether you’re a contractor, NHS bank staff, locum, or self-employed — we’re here to help.
At Mortgage Knight, we specialise in mortgages for professionals across every sector. We work with lenders who understand your pay structure, contract work, limited company setup, or variable hours — and we’ll help you prove affordability, even where banks might struggle.
Whether you’re in healthcare, construction, IT, or finance, we have options tailored to you:
Whether you're day-rate, IT, or long-term contract
Based on your gross pay, not net
Navigate tricky rules and show real affordability
Use your day rate to maximise borrowing
Proving income through umbrella payroll
One day here, one day there? Not a problem
Tailored advice for shift-based income
For paramedics, therapists, admin and support staff
Support for part-time or irregular NHS staff
Lower-income friendly lenders with flexible terms
Straightforward applications for salaried employees
Based on your real income, even if variable
Umbrella Contractor Secures Mortgage with 10% Deposit
Daniel was working as an IT contractor via an umbrella company and earning a strong day rate — but his payslips looked lower due to employer NI and umbrella deductions. Other brokers didn’t understand how to package his income properly. We assessed his gross contract value and worked with a lender who understands umbrella structures. Within two weeks, he was approved for a £350,000 mortgage with just a 10% deposit.
Locum GP with Irregular Income Gets Approved
Dr. Reena worked as a locum GP, with her income varying month to month depending on shift availability. Most banks wanted two full years of accounts, which she didn’t have. We averaged her last three months’ income and presented the case to a lender who understands the NHS bank and locum model. Her mortgage was approved without delay, allowing her to buy her first home independently.
Umbrella Contractor Secures Mortgage with 10% Deposit
Daniel was working as an IT contractor via an umbrella company and earning a strong day rate — but his payslips looked lower due to employer NI and umbrella deductions. Other brokers didn’t understand how to package his income properly. We assessed his gross contract value and worked with a lender who understands umbrella structures. Within two weeks, he was approved for a £350,000 mortgage with just a 10% deposit.
We know which lenders accept day rates. Which will average your last 3 months of payslips. And which will consider overtime, shift allowances, or umbrella deductions.
If your income doesn’t fit the typical “9-to-5” mold, we’ll help you find a lender that understands your profession — and gets your mortgage over the line.
Speak to Mortgage Knight today for clear, flexible mortgage advice based on how you work.
We don’t just understand mortgages — we understand you.
A: Yes — some lenders accept day-one contractors with the right history. We’ll find the best route for your setup
A: No problem — we have lenders who accept just one year of accounts, especially if you’ve moved from employed work.
A: Yes — we know which lenders accept umbrella income, and how to prove it clearly.
A: Absolutely — we have lenders that accept bank and agency shift work with just 3 months’ histor.
