Tel 0333 370 8888
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Email advice@contractorfinancials.com
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Contractor Financials
Albany House, 5 Omega Park, Alton, Hampshire GU34 2QE
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Contractor Mortgages

Don’t waste time on the high street, get your contractor mortgage today with our award winning advisers…

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£ a day

Why do most contractors struggle to get a mortgage

Unfortunately, we come across contractors every day that have missed out on a mortgage on the high street because the in-branch advisers don’t understand your employment status and how you are paid. They often try to base your mortgage on what your accounts show which will never truly reflect what you earn.

Don't worry, help is at hand!

Thanks to our specially negotiated contract based underwriting, you no longer need to worry about securing a mortgage while you are contracting. Forget about what the accounts of your limited company or payslips show, or any tax saving methods you have in place, we will work solely off your contract rate alone, meaning that you can borrow up to 5x your annualised contract rate.

Our experienced team of advisers and administrators will be there every step of the way to ensure your mortgage goes through smoothly.

Submit your Contractor Mortgage enquiry and one of our advisers will be in touch shortly

4 Reasons To Choose Us

A Mortgage To Suit Your Needs

Securing a contractor mortgage with Contractor Financials couldn't be simpler. These products allow you to obtain a mortgage based on your contract alone. This gives the lender a true picture of what you earn, rather than what you draw from your limited company or what is stated on your payslips, so you may be able to borrow more than you thought.

Over the last 13 years we have built strong relationships with contractor friendly high street lenders. We know how busy you are so we will make the process as quick, easy and stress free as possible. We work over the phone, email and via post so you can communicate with us at a time that suits you. We understand how to package your mortgage to ensure your application is successful.

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Whether you are trying to save money by finding a better rate or looking to release equity, remortgaging is often seen as difficult and expensive but this doesn’t have to be the case. Here at Contractor Financials our team of specialists will guide you through the process to ensure you find the best deal to suit your contractor needs.

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Have you dreamt of owning your own home but haven’t got the deposit? In previous years hard-working contractors have found it difficult to get on the housing ladder. The Government has stepped in to create a scheme which has enabled people to purchase their dream home with as little as a 5% deposit. Whether you want to get onto the housing ladder or move up it, Help to Buy makes it possible to buy a new-build or existing home priced up to £600,000.

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Buy to Let has become an attractive investment for many contractors in recent years. With demand for rental properties on the increase many people see this as a tangible investment for the long term. Whether you are building a portfolio of rental properties or creating a nest egg for your future our specialist Buy to Let mortgage advisers are here to help.

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The Government launched a scheme on 21st July 2011, enabling more people to self-build to combat the growing issue of demand outweighing supply in the housing market. Previously self-build homes were seen only as an option for a wealthy minority, but increasingly people are realising that this is no longer the case. Self-build contractor mortgages are achievable for all contracting professionals. So if you previously dismissed building your own home as implausible due to your contractor status, we can help you realise your dream and make it a reality.

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Getting on the property ladder for first time contractor buyers has always seemed an intimidating and overwhelming process. Here at Contractor Financials our team of specialist advisers can take away the stress by guiding you through the whole process step by step. We will help you find and secure a mortgage to suit your contractor needs, so your dream of owning your own home can become a reality.

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What Makes Contractor Financials Different?

  1. 1 Contractor specialist IFA

    Over the last 13 years we have helped over 22,000 Contractors to achieve their financial goals. We specialise in offering tailored advice to contractors and we continue to work tirelessly with lenders and product providers to ensure that the contractor community has access to a wide range of products that meet your specific needs.

  2. 2 Trusted by the leading Contractor Service Providers

    We are proud to work with many of the most recognised names in the contractor community including accountants, umbrella’s and sites such as Contractor UK, ITContractor.com, ITContractorsUK, ContractEye, ContractorRecruit and many more. We are also long standing affiliates with IPSE, the association for contractors.

  3. 3 98.5% of you would recommend our services

    In a recent survey of our clients, 98.5% said they would recommend us to a friend. We are dedicated to building long term relationships with our clients and offer a full financial review service so we can help with every aspect of your financial planning. To find out what our clients thought of us, visit our testimonials page. If you were impressed with our service then visit our Refer a Friend page and you could receive a cheque for £50.

Mortgages For All Contractors

We understand that as an IT contractor your time is precious. When you are rushing to meet the demands of your contract, the last thing you want to be doing is worrying about your mortgage application and what the accounts of your limited company or umbrella payslips may show. We can take the stress out of finding a mortgage based on your IT contractor status and can help you secure a mortgage based on your contract rate alone. Our experienced team guide you through the whole process and expertly package your application to ensure it ticks all the underwriters’ boxes, leaving you free to focus on your day job.

As an engineering contractor, the idea of securing a mortgage can seem a pipe dream as high street lenders often do not understand the specialist needs of contractors, which can make it extremely challenging and time consuming trying to secure a mortgage. Here at Contractor Financials we do understand your requirements and have managed to secure underwriting specific to your engineering contractor needs. You can be safe in the knowledge that we are on your side, securing a mortgage that suits you, whilst you concentrate on your career.

As a contractor in the oil and gas industry we understand that your work may take you offshore or you may be posted overseas, so negotiating a mortgage whilst working can be rather challenging. We have negotiated specialist mortgage underwriting to suit the unique needs of oil and gas contractors and the rates are often the same as your permie colleagues can access on the high street. We use your contract rate to arrange your mortgage so you can borrow more and don’t have the hassle of providing three years accounts when you are posted somewhere in the middle of the ocean. Find out how you could benefit from our help by calling 0333 370 8888.

Here at Contractor Financials we understand that it is a huge step to leave the safety net of a permanent position and become an interim manager and with it comes a lot of questions, especially when it comes to applying for a mortgage. Our experienced team of mortgage advisers can take the stress out of moving or remortgaging and will manage the whole mortgage process from start to finish. We will contact you via phone, email or post so you avoid the need for lengthy face to face meetings with a broker and are free to concentrate on the challenges of your contract.

Whatever your profession; surgeon, lawyer or teacher, going freelance can be an overwhelming process. Changing from a ‘permie’ to a flexible contractor professional can bring with it certain challenges, especially when trying to secure a mortgage. The mistake many make is going direct to a high street lender where they often receive incorrect advice which may lead to their mortgage application being turned down. However securing your contractor mortgage with us couldn’t be easier. Our dedicated team of specialist advisers will help you find a mortgage to fit your contractor status and will take care of the whole process for you.

  • Chosen as the sole financial expert to Contractor specialist websites...

  • Trusted advisers to clients of the UK's best service providers

  • Contractor Financials in the press...