Contractor Mortgages

A Contractors’ first area of interest / concern is often around mortgages.

Why? Well it is often the case that contractors have a challenge getting a mortgage and the reason is simple – not all lenders understand you, your role, how you earn and how you get paid.

  • Some can use your contract rate whilst others require several years report and accounts.
  • Some require years of contracting experience whilst others can consider a small period contracting with a past history of employment in the same industry
  • Some then change the requirements above depending on your day rate and/or industry you work in

How can you find the right lender when it can be so complicated and/or overwhelming? If you have to approach multiple lenders and get turned down due to their policies, could this adversely affect your credit score?

We will help!

  • First we take time to understand you – track record contracting, earnings, mortgage requirements, savings, incomings/outgoings, etc
  • Second we identify the right mortgage and assess the best rates against the right lender to approach based on your personal situation
  • Third share with you our findings and get agreement to proceed
  • Fourth we then package everything up to get you the right mortgage deal with the right provider that wants to work with someone like you.

We can take the pain out of a mortgage, fight your corner and allow you to focus on how you earn your money.

We are also not JUST a mortgage adviser. We can help you with all of your financial needs from protection to savings to pensions to tax efficient savings to inheritance tax planning.

Want to proceed, either complete the enquiry form or call us at 0330 122 1975.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

We offer a comprehensive range of mortgages from across the market, which lenders make available to mortgage intermediaries for which we will be paid a procuration fee by the lender.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Got a question?

If you would like to speak to us about a particular issue or wish to find out more about the services we offer, please get in touch.