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Mortgage Advice for IT Contractors

Mortgage Advice for IT Contractors We can maximise your borrowing

As an IT Contractor, 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. Contact us for Mortgage Advice for IT Contractors – you are more likely to get a successful outcome if you use an expert broker like us.

Mortgage Advice for IT Contractors

How do Contractor Mortgages Differ?

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

As an IT Contractor, you might have a short fixed term contract or use a tax efficient Limited Company for your accounts. Both of these things can restrict how much you could borrow on the high street.

However, there are specialist lenders who welcome IT contractors and have set up their lending for the way you work. Rather than using a “one size fits all” model. These lenders 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 mortgage affordability. 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.

We know which mortgage lenders are familiar with the way IT contractors work. We know how to package your case so it meets the lender requirements. You are more likely to get a successful outcome if you use an expert broker like us

To find out more, why not contact us for Mortgage Advice for IT Contractors today?

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Why use Mortgage Expert?

Our experienced team is based in the heart of Salisbury, Wiltshire. But we can help you no matter where you live in the UK.

We are not like other brokers. We have over 80 years of experience in the mortgage and protection industry. Our clients include IT contractors, CIS contractors and other types of contractors. We have the expertise to make the difference for you.

We have over 100 five star reviews on Google and over 90 verified reviews on VouchedFor. And we would love to work hard for you.

How we work:

  • Take time to get to know you and your intentions
  • Personalised, hard working service
  • Close relationships with specialist lenders
  • Detailed research to ensure you save money
  • Take care of the paperwork to minimise stress

We’ve helped hundreds of Contract workers and self employed people with Mortgage Advice for IT Contractors. Don’t take our word for it, read about Andrea from Warminster who used Your Mortgage Expert for his Contractor Mortgage.

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  • Dan Allen mortgage adviser

    Dan Allen - Mortgage Adviser

    Dan Allen has worked with mortgages for over 10 years. He takes time to understand different lender criteria. His wealth of knowledge means he will know which lenders will work for you situation.
    Email Dan Allen
  • Dan Harris mortgage adviser photo

    Dan Harris - Mortgage Adviser

    Dan Harris first started working in mortgages in 2004. Dan has great attention to detail and will do the hard work to ensure you get the right recommendation to help with your Property.
    Email Dan Harris

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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.

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