While there aren’t mortgages exclusively designated for contractors, certain lenders offer criteria that are particularly advantageous for this group. For instance, some lenders may assess your daily rate instead of solely considering salary, dividends, or profits from your limited company. This approach can potentially result in a higher maximum mortgage amount being offered to you.

In essence, the mortgage product offered to contractors by lenders is the same as those provided to employees or the self-employed. However, it’s the criteria and affordability calculations that typically differentiate these offerings.