Specialist mortgage and insurance advice for Contractors
Helping you to protect your income, secure your future and get the home you really want.
Whether it’s higher loans, lower rates or faster decisions, we have a track record of delivering results that save time, effort and money.
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Insurance and Mortgage Planning for Busy Contractors
You may structure your earnings in a certain way that means you are classed as higher risk by some lenders. You may have just started contracting, had a gap in between contracts or started using an Umbrella company due to IR35.
This can lead to lower loan amounts, higher rates or even being declined all together. This can leave you frustrated and at even risk of losing out on your dream home.
That’s where we come in.
Whether it’s trading period, track record or needing to borrow more, we have access to lenders from across the market and the specialist knowledge to get the mortgage you need.
Our bespoke approach is designed to help achieve higher loans, lower rates and faster decisions and ultimately get you the home you really want.
But we don’t stop there.
What would happen if you were unable to work due to long term sickness?
This is a huge risk for many Contractors so contingency planning is essential.
We have access to insurance companies from across the market as well as specialist providers to help you create a plan that makes you more financially resilient and able to cope with whatever life throws at you.
Resources For Contractors
Are there special mortgages for contractors?
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...