Contractor Mortgage FAQs
When did a contractor or freelancer last tell you that finding a decent mortgage provider was easy?
There are exceptions. But securing any type of finance as a contractor is no gimme.
Through both personal experience and engaging on countless forum threads, we know the issues.
We’ve come to realise exactly how scarce mortgages for contractors are on the High Street. Especially since lenders binned the self-cert after the credit crunch.
The following questions and answers result from our experiences with clients. Many answers cover all homebuyers, not just independent professionals. But it’s self-employed contractors who need help clarifying their income the most.
We’ve split the Q&A into a “Contractor” and “Contractor Mortgages” sections as best we can. But there are overlaps.
If the lines become too grey, do call us and leverage our expertise. Thank you.
Author: John Yerou
John Yerou is a pioneer of contractor mortgages and owner and founder of Freelancer Financials, Contractor Mortgages®, C&F Mortgages and Self Employed Mortgages, trading styles and brands of the award-winning Mortgage Quest Ltd.
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Testimonials
Finding a Financial Advisor who’s professional and knowledgeable is a bonus but one that you trust and feel comfortable with immediately is rarer still. I have recommended John to virtually all the other IT Contractors that I work with and will continue to use their services in the future.
John Yerou and his team provided the brokerage service for my last 3 mortgages and I cannot rate them highly enough. No matter how large or small the request they always provide a speedy and professional response. I would never consider using another advisor/broker.
We have been introducing Contractors and Freelancers to Freelancer Financials for several years now. They have established themselves as the preferred choice of financial advisors to all our IT contractors and Freelancers.
Andrew Saunders and Leanie Freed have provided an impressive service - one month from initial enquiry to completion of house purchase, with a mortgage from an established high street lender on a good interest rate. The service was clear, responsive and professionally managed throughout. Most importantly, Andrew understands the business context for contractors and this directly informs their approach to lenders
