Securing a mortgage as a contractor doesn’t need to be complicated. We specialise in helping IT contractors, freelancers, and self-employed professionals across the UK access contractor mortgages based on day rate, contract value, or annualised income — not years of accounts or payslips.
With over 20 years of experience and consistent 5-star reviews, our award-winning FCA-accredited contractor mortgage brokers work closely with contractor-friendly lenders to find flexible and competitive mortgage deals that reflect your true earning potential.
Unlike high street banks, our specialist contractor mortgage advisors understand the irregular income and tax structures common to contractors and freelancers. We work with lenders who underwrite mortgages based on:
Our team of brokers have relationships with lenders who base their lending decisions on a multiple of your annualised contract rate, rather than requiring years of accounts or payslips. This approach, known as contract-based underwriting, removes the need for years of accounts or PAYE payslips, making it easier and faster to get mortgage approval.
We provide contractor mortgage advice and application support for:
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Specialist contractor mortgage advice backed by 20+ years of experience. Tailored mortgage solutions based on your unique income and circumstances. Access to exclusive deals from contractor-friendly lenders not available on the high street. Hassle-free support from initial chat to completion, including document handling and application management. FCA authorised with optional protection services like Life Insurance and Income Protection. Visit Cleerly's Company Profile Page |
As an IT contractor, you may have struggled to secure a mortgage or remortgage with high street lenders. This is often due to their limited understanding of the distinct nature of contractor income and tax arrangements, which can result in them misjudging your true earnings and financial capacity. Through us, you can apply for up to a 95% mortgage on any property type. We can help you secure competitively priced mortgages similar to those available to permanent employees.
Our team of mortgage brokers have collaborated with lenders who provide tailored underwriting for self-employed IT professionals, taking into account factors such as contract-based earnings, fluctuating monthly income, and the structure of your IT contracting services.
For a detailed quote and for a free initial consultation, simply fill in your details into the form below and one of our contractor mortgage specialist will get in touch with you.
Not only will we help you secure contractor mortgages from the best mortgage lenders, but also at best mortgage rates possible with minimum documentation.
Contractor mortgage lenders typically use a formula based on your day rate. For example:
Daily Rate × 5 Days × 48 Weeks × Income Multiple (typically 4.5x–5.5x)
This method often results in a higher borrowing potential compared to traditional assessments. You may be eligible for up to 95% loan-to-value (LTV) depending on your credit score and income stability.
While securing a traditional mortgage is relatively straightforward, contractor mortgages can be more complex. A specialist mortgage advisor will walk you through the process and provide a clear list of the necessary documents, which often include specific requirements.
To secure a mortgage as a contractor, you'll typically need the following documents:
Our advisors will guide you through the full documentation process to ensure everything is submitted accurately and efficiently.
We have direct relationships with lenders who understand the contracting lifestyle. Some of the most contractor-friendly mortgage providers include:
We proudly collaborate with some of the best-known contractor mortgage specialists, including:
No, but working with a specialist contractor mortgage broker improves your chances. We’ll help position your application correctly to lenders.
No. Not all banks offer contractor mortgages, but we work with lenders who do, including Halifax and Barclays.
No. Lenders don’t penalise you for being a contractor. In fact, many offer competitive rates similar to permanent employees.
Not necessarily. Contractors with good credit may qualify for high LTV mortgages — even up to 95%.
Most lenders require 12 months of contracting, but some accept “day one” contractors with strong employment history.
No. Many lenders accept applications based solely on your current contract and experience.
Not much. Whether inside or outside IR35, we’ll match you with lenders who assess you based on your contract value.
That’s fine. Some lenders may request payslips, but others will only need your contract and bank statements.
Our friendly team is here to guide you every step of the way. Start your application online or get expert advice tailored to your situation.
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