Our mortgage guides for contractors

We can help you secure the same competitive interest rates as permanent employees using our specialist brokers to access lenders who understand professional contracting.

The application process is more complex than for employees due to differences in how you earn your money.

Whether you are looking to refinance / remortgage or invest in a buy-to-let property, or access to Help to Buy scheme, we can help you.

These guides will tell you everything you need to know about securing finance as a contracting professional.

Our top guides

Mortgage Calculator

Mortgage Calculator

Based on your contract rate alone, calculate how much money you can borrow.

Application process and timings

Application process and timings

What you need to be doing and when to secure the refinacing or before looking at properties.

Help to buy

Help to buy

You may qualify for government loans to top up a new property deposit under the Help to Buy scheme.

^ TopContractor Mortgage Options

Contractor mortgages: a guide to mortgage options
Contractors can access the same range of mortgage deals via specialist brokers as those offered to employees

Mortgages for contractors: you can get one
Getting a mortgage when contracting does not have to be painful

Getting a contractor mortgage – process and timings
Contractors should secure a robust mortgage finance agreement from their lender before they even start to look at properties.

10 top tips for securing contractor mortgages and loans
Contractors can increase their chances of securing mortgages by using these top tips from a contractor mortgage expert.

Contractor mortgages: mortgage products available
There are many contractor mortgage options, but they’re generally not available from high-street lenders

Help to buy mortgages for contractors
Contractors may qualify for government loans to top up a new property deposit under the Help to Buy scheme.

Help to Buy mortgages phase 2: the Mortgage Guarantee Scheme for contractors
Contractors can apply for a 95% mortgage with support from Help to Buy phase 2, the Mortgage Guarantee Scheme.

Contractor mortgages - Mortgage Market Reviews (MMR) explained
Contractors using expert mortgage brokers who understand contracting should be relatively unaffected.

Contractor Mortgages – Frequently Asked Questions (FAQs)
Contractors should have no problem securing a competitively priced mortgage from lenders who understand how contracting works.

Contractor mortgages – assessment and qualification criteria
Contractors must meet a range of mortgage lender assessment and qualification criteria if they are to secure a mortgage.

Contractor mortgages – a guide to the preferred lenders
Contractors can secure highly competitive contracting-specific mortgages from lenders but only through specialist brokers.

Why buy to let (BTL)? Property is great for increasing your income
Get guaranteed income after you retire from contracting. Find out how investing your money in buy-to-let property could be the best decision you make!

^ TopMortgage Questions

Should I keep cash in my company or pay off my mortgage?
Contractors should consider their options before deciding to pay-off debts or delay dividends as it may save tax, says Abbott Moore’s James Abbott.

Can I use my limited company money to offset my mortgage?
Contractors may face a hefty tax bill, and even prosecution, by using company money to offset personal mortgages, warns James Abbott of Abbott Moore.

Had trouble as a contractor getting a mortgage?
Contractors having trouble getting a mortgage may be able to secure funding by applying via a contractor specialist.

Renting compared to having a mortgage
Contractors will generally find that buying a house with a mortgage makes more financial sense than renting a property.

Buying a newly built home as a contractor
Contractors will find that mortgage applications for newly built homes are different as lenders requirements are more demanding.

Need a quotation?

Ready to buy or remortgage? Or need detailed advice on how much you can borrow?

Then speak to our contractor specialist mortgage consultants by completing the form below. You will then be contacted shortly to explore the most appropriate mortgage products available for you.

Through our chosen partners we have been providing specialist advice for contractors since 2004. More info





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