Contractor mortgages

Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Are you an IT contractor or do you work in a self employed capacity on day rate for a company or organisation?

Contractors are a rare breed, paid on a day rate without the benefits that employees get but usually at a higher rate.

When it comes to getting a mortgage it can be very confusing, not all brokers understand how the contractor gig works and will be asking for two or three years accounts, checking your net profit or dividends and asking about your directors remuneration. Often the accounts don’t reflect the actual income you are receiving and it can be the case that you are not able to borrow what you need.

We understand how contractors work and when you need a lender to allow your day rate over 46 or 48 weeks to be your income, we know where to go. This can sometimes mean that we are able to achieve higher borrowing for you than advisers who ask only for your company accounts.

Come and talk to us even if you have only recently become a contractor, some of our lenders don’t require as much history in the role as you would imagine as long as you have a track record in your industry.

Initial consultation is free of charge and with no obligation. There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £295 to £495 and this will be discussed and agreed with you at the earliest opportunity.

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Please be aware that by clicking on to the above links you are leaving The Complete Mortgage Company Ltd website. Please note that The Complete Mortgage Company Ltd nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.

The Complete Mortgage Company Ltd, trading as The Complete Mortgage Company, is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

The Complete Mortgage Company Ltd is a company registered in England and Wales with company number 6949982.

The registered office address is 9a Sheep Market, St Ives, PE27 5AH.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The initial consultation is free of charge and without obligation. There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £295 to £495 and this will be discussed and agreed with you at the earliest opportunity.

Contractor mortgages