Contractor Mortgages

It’s still very much possible for a contractor to secure a mortgage — you just have to provide sufficient documentation and at Green Mortgages are experts in helping you provide the correct information.

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Contractor Mortgages

First off, there is no such thing as a “contractor mortgage.” There are, however, lenders who specialise in dealing with contractors. In any case, there are certain things to consider when applying for a ​mortgage​ as a contractor.

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What Is A Contractor Mortgage?

First off, there is no such thing as a “contractor mortgage.” There are, however, lenders who specialise in dealing with contractors. In any case, there are certain things to consider when applying for a mortgage as a contractor.

Due to the nature of the work, contractors don’t have a stable income compared to people who are in full-time employment. This raises the risk for lenders and can make it harder for them to calculate your mortgage affordability (how much money they can lend you).

However, it’s still very much possible for a contractor to secure a mortgage — you just have to provide sufficient documentation in order to convince a lender that you can afford to repay your mortgage. Here’s what you need to know about securing a mortgage as a contractor.

Things Mortgage Lenders Will Look At

  • What type of contractor you are — are you a ​self-employed contractor​, fixed-term contractor​, ​umbrella company employee​ or ​zero-hour contract worker​?

  • How long you’ve been contracting for.

  • How long you’ve worked in that industry.

  • How long you have left on your current contract(s).

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Frequently Asked Questions

These questions help give some guidance to first time buyers from all angles of the property ladder. If you have any questions that aren’t covered opposite or if you would like a little more clarification on any of the points discussed, our team of experienced advisors are on hand to help you through any part of the buying process.

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Green Mortgages, All rights reserved. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Green UK Mortgages Ltd, trading as Green Mortgages, is an appointed representative of HL Partnership Ltd which is authorised and regulated by the Financial Conduct Authority. There may be a fee for mortgage advice, however the precise amount depends on your circumstances. As we are independent and whole of market our fee may vary will be relative to your circumstances. Green UK Mortgages Ltd is registered in England and Wales with company number 11357070. Registered Office: Cholmondeley House, Dee Hills Park, Chester, CH3 5AR. The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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