Contractor Mortgages
Support that fits how you actually earn a living
Working as a contractor can give you more freedom — but it can also make applying for a mortgage feel uncertain. Lenders often assess contractors differently from traditional employees, and the criteria can vary depending on how you’re paid, how long you’ve been contracting, and even what industry you’re in.
That’s where I come in. I’ll help you understand your options, prepare the right paperwork, and match you with lenders who are familiar with contractor income—so you can move forward with confidence.
Is This Right for You?
You might be looking at a contractor mortgage if:
- You’re paid on a day rate or short-term contract
- You work through an umbrella company or limited company
- You’re newly contracted and unsure if you qualify
- You’ve been turned down due to gaps in income or “non-traditional” work
- You want to use your full earning potential — not just the basics
Download your free mini guide
Discover the 5 things you need to consider before applying for a mortgage as well as the key milestones along the way.
Frequently Asked Questions
Yes — some lenders will use your day rate to calculate income, assuming a typical number of working weeks per year. I can help you find those lenders.
Even with less than 12 months’ history, it’s possible — especially if you’ve been working in the same industry. I’ll help you present your case clearly.
Some do, some don’t. I’ll help match you with lenders who understand umbrella setups and what income documents they’ll accept.
If your overall income is strong and your work history is consistent, yes — it’s still possible. I’ll advise on the best way to explain any gaps.
Typically, recent contracts, bank statements, payslips (if through umbrella), or limited company accounts. I’ll give you a tailored checklist to keep it simple.
How I Can Help
You don’t need a permanent contract to get a mortgage
I’ll help you show lenders the full picture — from how you earn to what makes your income stable. Whether you’re just starting out or have been contracting for years, I’ll guide you through the process clearly and calmly.