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Contractor Mortgage

With contractors and freelancers making up an increasing amount of the UK workforce, there are more options than ever when it comes to getting a mortgage.

Contracting allows for a large amount of freedom and flexibility in your work life – an attractive quality for many, but one that has historically posed problems when it comes to securing a mortgage.


Thankfully, the days of mortgage difficulty for contractors are long gone, so there needn’t be any barriers to finding your dream home. We’ll work together to find a deal that’s right for you, and although you might experience slightly stricter lending criteria than for your standard mortgage, this is something we can help you navigate.


Our specialist knowledge in contractor mortgages means we’ll not only find the best options for you and your circumstances, but manage the whole process as well – leaving you free to focus on your business.

Do I qualify for a Contractor mortgage?

As the definition of a contractor can vary from one lender to another, you must be either:


  • Employed working on a fixed or short-term contract
  • Self-employed working through one main company

How do I apply for a Contractor mortgage?

Lenders will usually want to verify your income over the last two to three years. This means having your accounts and tax returns in order before applying for a contractor mortgage. From there, we can do the rest.

What documents do I need?

To prove longevity and affordability to lenders, we’ll need:


  • A copy of your current contract
  • An up-to-date copy of your CV

Get in touch

If you’re a contractor or freelancer looking for mortgage advice, we’re here to help. Simply get in touch with our team of experts to get started.

Momentum Mortgages is proud to be a part of Embrace Financial Services .