Contractor Mortgages | Specialist Mortgage advice for IT Contractors and freelance workers.
Contractor Mortgages | We specialise in matching IT Contractor and freelancers with mortgage lenders offering highly competitive rates coupled with a wide range of flexible products.
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Contractors and freelancers often face a difficult time securing the mortgage funding they require for a number of different reasons. These reasons broadly fall into two main categories, the first being the inability to prove all of their income, and the second surrounding the fact that there is an end date on the contract and as such the lender questions how mortgage payments would be maintained past this end date.
Have you been told the following:
“You do not have 2 or 3 years Accounts required to prove your income”
“Self certification mortgages are no longer available”
“You have not been self-employed / contracting long enough”
“You are paid through a tax efficiency Umbrella Company (Employed or Self Employed)”
“Your contract is less than 12 months”
“You only have a few months remaining on your contract”
“Your salary and dividends or the company net profit figure is not sufficient to support the level of borrowing you require”
If you have approached lenders direct or have approached a non-specialist broker for your mortgage requirements, the above are just a few of the commonly used reasons as to why you may have been turned away. This is where using a Contractor and Freelancer mortgage specialist really works in your favour.
By using a specialist Mortgage Advisor who understands your how you work, you are maximising your chances of obtaining the best mortgage for your needs and circumstances whilst minimising the chances of facing a declined application.
There are thousands of mortgage products available for all sorts of circumstances but finding the right one is not an easy task.
The choice in the mortgages market can be confusing with so many products to choose from. Your adviser will take the confusion out of mortgages and present the options clearly and simply, allowing you to make sense of the products available.
Your adviser will access professional mortgage sourcing software which is updated daily to bring you the latest deals from the whole of market, so if you are a first time buyer, home mover, remortgaging, sorting out your buy to let investments or need any other mortgage related help and advice then please begin the process by entering your daily rate in the calculator below and we'll calculate a guideline amount you might be able to borrow. From there you can request a Contractor and Freelancer Mortgage Specialist call back.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
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We do not provide specific financial advice on any financial services, but general information. For specific information we will need to refer you to someone who is authorised by the Financial Conduct Authority.
IT Mortgages complies with the Data Protection Act and therefore your personal information is confidential and secure. IT Mortgages is an introduction service to a network that is FCA regulated and authorised in the UK. IT Mortgages do not charge you any fees but may receive commissions for an introduction for Contractor Mortgages .
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE