We provide expert mortgage advice for contract and freelance workers.

There is a misconception that getting approval for lending is tough for contractors, as many high-street lenders tend to have very few mortgage products for contractors.

However, we work with a strong panel of lenders offering these products, and with whom we have built up strong relationships. There are even mortgage products available if you have a small deposit and a strong credit history.

Whether you work in Oil and Gas, IT, or on a zero hours contract, you may feel that securing a mortgage and completing the purchase is out of your reach. However, whether you are operating via a Limited Company, Sole Trader or PAYE, we can source the best mortgage for you even if you only one year’s contracting history. We can also secure competitive rates if you have a mixture of these forms of employment.

Once we have helped you to arrange a mortgage, we can also help you to put sufficient tax-efficient protection in place.

How it works

Initial chat

First, we need to understand precisely how things are structured and what your track record is like.  There are many lenders who understand the nature of this work but all vary greatly in their treatment of applicants who are contracting.  With years of experience we can guide you through which ones would be most suitable for your circumstances.


Explain the house buying process and help you understand the different interest rate options available.


Explain the difference types of insurance that may be suitable for you and the property.

Complete a DIP

Organise a decision in principle so that you are ‘purchase ready’ to begin making offers on properties.

Review Home Reports

We can review Home Reports for any properties you’re seriously interested in to highlight any issues lenders might have.


Once an offer has been accepted, finalise the research and recommend and organise the mortgage and insurance.


Liaise with the solicitor to make sure things are moving along as they should.

Wish you well! 

Wish you good luck in your new home and diarise to get back in touch with you a few months before your mortgage deal expires.

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