Call us today: 01722 322683

  • Expertise

    We understand Contractor Mortgages

  • Detailed research

    We carry out detailed research into the market to ensure you save money

  • Time saving

    We complete the paperwork and liaise with third parties on your behalf

Mortgages for Contractors

Are you a contract worker looking for a mortgage? Have you struggled to get a mortgage in the past because your high street lender doesn’t understand how contractors are paid? At Your Mortgage Expert, we know the Contractor Mortgages market so why not get in touch today? We are based in Salisbury but we can help you no matter where you live in the UK.

Contact us


Do any of the following sound like your situation

  • I’ve spoken to lenders in the past who won’t accept my application because I contract
  • Because I contract, I am not sure how much I can borrow
  • My accounts don’t really reflect how much I actually earn

If so, then we can help. We know which mortgage lenders are familiar with the way contractors work. These lenders will work off your contract alone. So will give you a mortgage based on an annualised figure of your contract rate and will ignore your Limited Company accounts or any other tax efficient method you use.

Get in touch today.


How are contractor mortgages different?

The main difference with contractor mortgages is how the lender assesses your income.

Rather than using a “one size fits all” model. Most lenders that welcome contractor customers have more bespoke lending criteria aimed at the financial needs of contract workers.

This underwriting method will use an annualised figure of your contract rate to assess your affordable mortgage. So rather than restricting your assessable income to a director’s salary and dividends as shown on your Limited Company accounts, these lenders will use your gross contract rate to assess your income, enabling you to apply for a mortgage that reflects your true level of income.

To find out more, why not request a call back from us today?

What information will I need to provide?

This can vary depending on your contracting experience and the level of deposit or equity. But typically, all you will need to provide is your contract, CV and a few bank statements.

Speak to one of our mortgage advisers who will be able to tell you which lenders are able to help and the exact requirements for each of them. We can help take the stress and uncertainty out of your application.

For expert Mortgage Advice, get in touch with us today to find out more.


What type of Contractor Mortgages can you advise on?

Whatever life stage you are at or purchasing decision you are making, we can help.

These are just a selection of the contractor mortgages the Your Mortgage Expert team can help with:

  • First time buyer
  • Home mover
  • Looking to utilise the government backed Help to Buy
  • Switch your mortgage to get a new deal
  • Purchase a Buy to Let

Why not call us to discuss?


Construction Industry Scheme (CIS) Mortgage Advice

Are you a construction industry contractor or subcontractor looking for a mortgage? Do you wonder what you will be able to afford and how lenders will assess your case? If so, we can help with Construction Industry Scheme (CIS) Mortgage Advice. We know which specialist lenders to talk to about CIS mortgages and we know how to present your income. You are more likely to have a successful outcome if you use a specialist broker like us.

Find out more

Mortgage Advice for IT Contractors

Are you an IT Contractor looking to get a mortgage? Do you need to look beyond the high street to find a lender who takes into account your true earnings. At Your Mortgage Expert, we know which lenders have bespoke lending criteria for contract workers and know how to package your case accordingly. Read more on our dedicated page.

Read More

Our handy mortgage calculator

Our mortgage calculator can help you get a better idea of how much you can afford to borrow, and how much your mortgage will cost you in monthly repayments.

  • “This was knight in shining armour stuff. Our conscientious mortgage broker was a delight to deal with from the off and the key to our dream home.”

    Max and Martha, First Time Buyer customers from Cardiff

  • “Being in the Armed Forces I am away a lot, meaning it can be hard to attend meetings, answer emails and especially hard to fill in forms. Adam and his team were extremely helpful and understanding of our situation and provided help wherever they could. After our initial meeting where we provided our required details, we actually did very little of the hard work, apart from signing a couple of papers.”

    Callum and Verena, First Time Buyer Armed Forces Mortgage Customer from Salisbury

  • “I expect my circumstances were fairly rare, but the help and guidance I received from you was invaluable. I feel that the personal touch you provide offers something that appeals to the soldier in me.  During my service I always liked to have a point of contact, someone who was the “go to” specialist in their field.  This provides a degree of assurance about a situation and it was refreshing to find that same degree of certainty transitioning to civilian life, particularly with something as important as a mortgage and buying our family home.”

    Andrew and Helen, Armed Forces Mortgage Customers from Salisbury

  • “Even though we were used to having a mortgage on the rental property, paying a mortgage on your own home was still a bit of a shock after years of having married quarter rental deducted from your pay at source. But, at every step along the way, we felt reassured, understood and that we really mattered to Adam. Trust is an important concept for military families and we trusted Adam.”

    Fiona and Graham, Armed Forces Mortgage Customers from Wilton

  • “As a contractor, it was difficult for me to obtain a mortgage through normal channels so it was great to find a mortgage adviser that specialised in contractor remortgages and understood the challenges. In addition, I had fairly tight timescales, so wanted someone who could make the process quick and hassle free.”

    Andrea, Contractor Mortgage Customer from Warminster

  • “I am a contractor, therefore require specialist mortgage advice. Adam has now concluded two mortgages for us (new mortgage then a contractor remortgage), and is currently arranging a buy-to-let mortgage for us. He also arranged our life insurance for us. We keep returning to him for some great reasons – he is always available, and ready to help. He provides great advice, and always ensures that he meets our requirements exactly. He is prepared to explain things in such a way that even a lummox like me can understand, and his level of service has remained consistently good over the last three years.”

    Matt, Contractor Mortgage Customer from Southampton

  • “Adam’s advice on the different types of critical illness and life insurance were really useful. He also worked with us to decide the best combination of policies that would work with our existing policies to cover our needs. When doing this he happily tweaked quotes for us until we came out with an arrangement that was both affordable and would provide us with the level of cover we thought appropriate.”

    Hannah and Steve, Protection Insurance Customers from Stamford

  • “Adam provided us with factual advice and also with options of which we were unaware. The advice on gifted equity was something we hadn’t heard about and this assisted us hugely to ensure repayments worked within our affordability. He provided us with a very personal service that made the journey from initial call, to mortgage offer and completion hassle free. We have already recommended Adam to someone and will continue to recommend his services in the future.”

    Saul and Laura, Home Mover Mortgage Customers from Salisbury

  • “Mike and I collected the keys to our flat this weekend and we couldn’t be happier. It’s been a long time coming but we got there! We just wanted to say a MASSIVE thank you for everything you have done for us so far. We’ve really appreciated all the help, advice and reassurance you’ve given us all the way through this process. It’s really nice to have a friendly voice on the other end of the phone.”

    Mike and Bethan, First Time Buyer Mortgage Customers from London

  • “Without question Adam found me a deal the estate agent’s broker couldn’t. He was very easy to contact whenever I needed him and he took time to explain the ins and outs of the Help to Buy equity loan scheme mortgage that he found me. I would rate him five out of five and will be back to use him when the time comes to remortgage or move.”

    Chris, Help to Buy Mortgage Customer from Southampton

Contact us

"*" indicates required fields

Monday to Friday: 9am – 5.00pm, Saturday and Sunday: Closed

We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with financial institutions who can assist in the provision of financial services to you including product providers, lenders, banks, insurers, fund managers, platform providers and third party para-planners. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy:

Your Mortgage Expert is a trading name of Your Mortgage Expert Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Registered Office Address: 18 New Canal, Salisbury, England, SP1 2AQ. Registered in England Number: 08924507.

Sorry to see you go

Please note, by clicking on the link you will be departing from the regulated site of Your Mortgage Expert Ltd. Neither Your Mortgage Expert Ltd nor Mortgage Advice Bureau are responsible for the accuracy of the information contained within the non-regulated site.