A mortgage that understands how you earn
Your income is different. Your mortgage can be too.
We’re specialist advisers who work with contractors, freelancers, self employed professionals and limited company directors, whole of market, with no fixed minimum loan size.
Paid on a day rate? Only just gone self employed after being on PAYE? We know how lenders read that income, and where to place it.
Book a free consultation with us.
07917 694983
BUILT AROUND CONTRACTORS AND THE SELF EMPLOYED.
Why Contractors come to us
We read day rate and contract income properly. Standard lenders often undervalue contract income. We know which lenders will use your day rate or your company profit the way you actually earn it.
Whole of market, no fixed minimum. We’re not tied to one panel of lenders, and there’s no set minimum loan size, what matters is whether we can make your case work.
Support from first call to completion. We handle the conversations with the lender, the solicitor and the estate agent, so you’re not chasing three people to get one answer.
Your needs. Our expertise
Your income is different. We know how to make it work.
Being self-employed shouldn’t make getting a mortgage harder.
We understand the challenges that contractors, business owners and company directors can face when applying for a mortgage.
Get expert advice. Find out what you could borrow.
Start your application today.
Built around you. Driven by results
How we work with you
Instead of expecting you to fit a standard mortgage application, we find lenders whose criteria can work with the way you actually earn your money.
Tell us about yourself
Complete our quick enquiry form with some basic information about your income and circumstances.
We assess your situation
Our specialist advisers review your circumstances and identify potential mortgage options.
Speak to an expert
We’ll talk you through your options, answer your questions and explain what you could potentially borrow.
Move forward with confidence
If you’re happy to proceed, we’ll guide you through the mortgage application from start to finish.
Your questions, answered by mortgage experts
FAQs
We know you may have questions, so we’ve put together some of the answers we’re asked most often. If you can’t find what you’re looking for, we’re always happy to help.
Can contractors get a mortgage?
Yes. Contractors can often obtain mortgages, but lenders assess contract income in different ways. Our advisers understand contractor applications and can help identify lenders that may be suitable for your circumstances.
Can limited company directors get a mortgage?
Yes. Limited company directors can apply for mortgages, although lenders can treat salary, dividends and company profits differently. We can help you understand which approach may be appropriate for your situation.
I've just started contracting after being employed, can I still get a mortgage?
Yes. Some lenders will use your day rate from day one, even if you’ve only recently moved from being an employee to contracting. We’ll match you with lenders who assess it that way rather than asking for years of trading history.
I've only been self-employed for a short time. Can I still get a mortgage?
Potentially. Lender criteria vary considerably, so a short self-employed history doesn’t necessarily mean you won’t qualify. We’ll look at your individual circumstances.
Will you understand my income?
Potentially. Lender criteria vary considerably, so a short self-employed history doesn’t necessarily mean you won’t qualify. We’ll look at your individual circumstances.
07917 694983
Built around you. Driven by results
How we work with you
Instead of expecting you to fit a standard mortgage application, we find lenders whose criteria can work with the way you actually earn your money.