Mortgages for Contractors

  • Award winning mortgage advice
  • Based on your contracts
  • 3 years of accounts not needed!

Why Choose The Contractor Mortgage Company?

The Contractor Mortgage Company have a dedicated team of expert mortgage and insurance advisers providing  specialist mortgage advice and support to help contractors find the most suitable mortgage options.

  • Access to over 90 lenders and 12,000 products including specialist contractor products
  • Typically get our clients a 40% larger mortgage than if they went to an average high street bank
  • Specialist mortgages based on the contract you have, rather than on the number of years you’ve been working as a contractor
  • Award winning advice tailored to your unique, individual circumstances - focused around you

What makes The Contractor Mortgage Company different?

The Contractor Mortgage Company is one of the UK's leading advice firms offering expert mortgage advice.


We understand the working world of contractors. We know that many of you do what you do for the financial rewards, but also because of the flexibility that contracting offers. We appreciate that contractors have different payment structures such as limited companies, umbrella organisation, or an offshore tax arrangement.

We have used our experience in this area to help lenders understand how contractors work so that they can make a more informed assessment of the risk they present when deciding on mortgage funding. In recent years, and especially since the credit crunch, lending policy has not always kept up to date with labour markets and the role of contractors. We have worked hard to get many High Street lenders to reconsider their lending policy and to offer contractors bespoke underwriting terms that are more relevant to their circumstances.

Mortgage Calculator

How much can I afford? How much will Stamp Duty be? What are the Monthly Payments going to be?

We have provided an easy-to-use Mortgage Affordability Calculator to help you answer all of these questions. You'll just need to enter your total Annual Gross Income and your likely Deposit Amount in £'s and the calculator will immediately show you an illustration - a Mortgage Value estimate, a Recommended House Price and a Stamp Duty amount along with extra information such as the estimated monthly payments and the LTV value (one of the key factors that lenders look at when qualifying borrowers for a mortgage).

The calculator is for Illustration purposes only and is not to be used or considered as financial advice or a mortgage quote. For expert mortgage advice - come and see us or give us a call.

Customer Reviews

Mr and Mrs Fitzsimon

Extremely helpful and brilliant service. The broker that I dealt with was extremely helpful, explained things clearly and concisely. They were always available when I needed help or advice and nothing was too much trouble.

Robert Porter

Excellent, friendly swift service. So helpful and understanding. All my previous remortgages have been an overly complex nightmare. This was quick and simple. Thank you.

Mr and Mrs Smith

Made things a lot easier in a stressful time. Really great. Helpful and took the time to make sure we were in the loop of what was happening. Always returning emails and phone calls.

Your Credit Score - Free Check Today

Most mortgage lenders calculate a credit score to help work out whether you'll be able to repay a loan or mortgage. It's a good idea to check your credit rating, especially if you are considering a new mortgage application. Your Credit Report could help with your mortgage application. Make sure yours is correct and up to date now with our partners, UK Credit Ratings.

We’ve partnered with UK Credit Ratings so you can easily access your report online and enjoy a 14 day free trial. Their team of experts are on hand 7 days a week to assist you with any issues or queries you have.

NOTE: A fee of £19.95 per month will apply after your free trial.

Always brilliant advice

Mr & Mrs Horbury
December 2016

Always brilliant advice, on more than one occasion. Involved every step of the way.

Mortgages & Insurance - Impartial Advice

For impartial information about insurance, please visit the website at This provides free and impartial money advice and was set up by the UK Government. Please be aware that by clicking on to the above link you are leaving our website. Please note that we are not responsible for the accuracy of the information contained within the linked sites accessible from this page.

We'll help find the right mortgage for you and your circumstances - we have access to thousands of mortgage deals.

Contact us - we offer a no obligation initial appointment. We pride ourselves on our personal approach and rapid response.

The Contractor Mortgage Company Latest News

Top Tips to Getting a Contractor Mortgage

Securing a mortgage as a contractor isn’t easy if you go it alone so we have put together some top tips to help you on your way.

Essential Tips for Contractors Getting a Mortgage

It is becoming increasingly difficult to get a mortgage as the economy fluctuates and, unsurprisingly, many contractors will be wondering how this might affect their chances of securing a mortgage in the future.

Now's the Time to Make the Most of Great Mortgage Rates

Mortgage rates on both tracker and fixed rate mortgage deals have dropped further this year, making it an excellent time for contractors to review their existing mortgage deals.