What’s the difference between standard and contractor mortgages?

Unlike standard mortgages for self-employed company directors, where affordability’s based on salary and dividend drawings, a contractor mortgage is based on annualised current contract earnings.

Calculating how much contractors can borrow in this manner gives the majority of applicants access to substantially more finance than they’d otherwise be availed of.

We work with underwriters who understand the way contractors work. This means that you don’t have to sacrifice the tax-efficient smaller salary, which you may have been told by other advisers was the only way to prove your income.


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