Mortgages for contractors

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Can I get a mortgage as a contractor?

Yes, you can get a mortgage as a contractor! But it’ll be more difficult compared to someone who’s in full-time employment. For example, a mortgage lender might want you to provide  accounts for the last few years, and prove that you’ve got stable work for the future. 

In some cases, contractors don’t need to have three years’ worth of accounts and can even get approved for a mortgage based on their day-rate. You’ll just need to find a specialist mortgage lender that understands the nature of contract work, and is willing to review your application based upon the terms of your current contract.

And even if you’ve only just started contracting, and therefore have no accounts, you still have options that our specialist mortgage brokers can explore for you. Get in touch to speak to a broker that can help you.

Got questions?

What criteria do lenders put in place for contractors?

What are the different types of contractors?

How long do I have to be contracting to get a mortgage?

How much can I borrow as a contractor?

How do umbrella companies affect contractor mortgages?

Can I get a mortgage on a zero-hours contract?

Can I get a mortgage as a professional contractor?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

We only get paid when your mortgage is approved.

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Our Guides

Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

Get connected to a specialist self employment mortgage broker who can make a mortgage possible for you.

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