Mortgages for contractors

Need a mortgage as a contractor? You’re in the right place. We’re specialist mortgage brokers with a proven track record of making mortgages possible for contractors, like you.

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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 Mortgage Experts can explore for you. Get in touch to find out your options.

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Can I get a mortgage as a contractor?

Getting a mortgage if you’re a contractor can feel daunting. There’s a few extra things to consider, but it’s definitely possible.

More people than ever are working as contractors. And why not? It can give you the independence and flexibility to choose your own clients and projects, while still giving you plenty of time for hobbies and personal commitments. You can also earn some seriously good money! 

On the flip side, it can bring uncertainty. Banks can sometimes see you as higher risk, due to the irregularity of your income. This can make getting a mortgage a little more tricky, but that doesn’t mean it can’t be done!

In this Guide, you’ll find everything you need to get a mortgage as a contractor. We’ll explain what you need to prepare, how to improve your chances, which lenders to choose and more.

14th June 2022

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.

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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.

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Speak to a real person

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

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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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