UK Contractor Mortgage Broker & Insurance Providers

Our specialty is securing mortgages for contractors and freelancers based on contract earnings alone. Not take-home pay. Not payslips. Not accounts. Our lenders use top line, gross contract rate to evidence affordability!

That’s one reason why, since 2004, we’ve helped tens of thousands of contractors buy homes or investment properties. We give independent professionals access to only relevant mortgage loans and protection. Plus, many of our often exclusive mortgage deals you’ll rarely find online or on the High Street.

Why do contractors need help getting a mortgage?

Mortgage providers punish limited company contractors because their payment structure isn’t PAYE. It wasn’t—and isn’t—fair. So, as an independent mortgage broker, we set out to change that bias attitude from the start.

We helped banks and their underwriters get their heads around the nuances of contracting. We sat down with them and helped them understand the relevant part of contract earnings for affordability assessment.

These negotiations paved the way for a range of specialist mortgages for independent professionals. Today, we work with more contractor-friendly mortgage lenders than ever, allowing contractors to borrow against their gross contract income.

Why is borrowing against gross income important?

Using gross income allows limited company contractors to borrow more than if they used their accounts and SA302s.