Mortgages for Contractors
- Award winning mortgage advice
- Based on your contracts
- 3 years of accounts not needed!
Mortgages for Contractors
- Award winning advice, focused around you
- Specialist mortgages based on the contracts you have
- You don't need to have 3 years of accounts!
Mortgage Advice for Contractors and Self Employed
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?
EASTLEIGH | SOUTHAMPTON | BASINGSTOKE | WINCHESTER
ANDOVER | NEWBURY | LONDON
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.
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.
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.
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.
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The whole experience was totally stress free and I am very happy with the outcome.
I would like to say a big thank you to Damien Gath and the team at The Mortgage Hut for reviewing my current mortgage and helping with sorting a new product, the whole experience was totally stress free and I am very happy with the outcome. I would highly recommend The Mortgage Hut to family and friends.
Mortgages & Insurance - Impartial Advice
For impartial information about insurance, please visit the website at www.moneymadeclear.org.uk. 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
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.
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.