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Contractor Mortgages

  • Affordability based on gross contract day rate
  • Independent brokerage: no lender is off-limits
  • Multi-award-winning contractor specialist broker
  • All types of residential and buy-to-let mortgages
  • Umbrella, Ltd Co. Contractors & Directors welcome

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Mortgages for Caroola Contractors

Most High Street mortgage lenders have neither the capacity nor means to deal with contractors 'in branch'.

Yet, nearly all lenders have bespoke contractor mortgage underwriting criteria. So, where is the huge disconnect?

At branch- or call centre level, most mortgage advisors offer only two styles of underwriting: employed and self-employed.

As far as this style of underwriting goes, a professional contractor is both and neither.

The result? Contractors either get a low or no mortgage offer, despite their comparatively high income.

After years of building relationships with senior underwriting teams, we're now able to circumnavigate these traditional 'gatekeepers'.

We go direct to specialist underwriting teams. Like us, their dedicated experts get contract income and tax efficiency.

No need for accounts, payslips or SA302s.

Just commonsense 'contract-based' underwriting that maximises contractors' gross day rate potential.

Leverage our independence and experience to get the mortgage your expertise and income deserve:

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Contractor Mortgage Calculator

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