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How we can help you?

Below you can find the answers to the questions we get asked most about contractor-based mortgages.

We’ve put together some commonly asked questions to help give you more information about the services that we offer.

Do you have a burning question? Can’t find the answer you were looking for? Need some more information about one of our offerings? Please do not hesitate to contact us!

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Frequently Asked Questions

Yes. Our consultants have helped 1000s of contractors obtain mortgage funding during their careers. As a company, we have access to bespoke contractor underwriting that will allow you to borrow based on contract value. Find out how much you can borrow here.

No. We have access to lenders that are happy to assist from Day 1 of your contracting career and assess borrowing based on your contract value, although each lender will have their own set of criteria that you will need to meet. One of our dedicated Contractor Specialist Mortgage Consultants will be able to guide you through the options.

Yes. We have access to lenders that will be happy to assist you without company accounts, with borrowing based on your contract value. We can assist from Day 1 of your contract, although each lender will have their own set of criteria that you will need to meet. One of our dedicated Contractor Specialist Mortgage Consultants will be able to guide you through the options.

Yes. We have access to lenders that will understand umbrella payment structures. Borrowing will be based on your contract value, although each lender will have their own set of criteria that you will need to meet. One of our dedicated Contractor Specialist Mortgage Consultants will be able to guide you through the options.

Deposits can start from as little as 5% but rates tend to improve the larger the deposit available. One of our dedicated Contractor Specialist Mortgage Consultants will be able to guide you through the options.

No, we have negotiated bespoke underwriting and processes, not interest rates. We work with high street lenders to ensure you don’t get penalised for the way in which you work. One of our dedicated Contractor Specialist Mortgage Consultants will be able to guide you through the options.

Not necessarily, although it does become more difficult. One of our dedicated Contractor Specialist Mortgage Consultants will be able to review your situation and advise you of any options that are available.

There are now more highstreet lenders than ever prepared to accept a contractor mortgage application. These include well-known names such as Halifax, Barclays, Clydesdale, Virgin Money and Nationwide to name but a few. The exact lenders available to you will depend based on your personal circumstances. One of our dedicated Contractor Specialist Mortgage Consultants will be able to guide you through the options.

Instead of us telling you all the reasons why, we thought we would leave it down to our clients.

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