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Arranging a contractor mortgage can be difficult. If standard criteria is used, this could significantly reduce the mortgage available. Specialist advice and bespoke underwriting ensures you get the contractor mortgage you need.

Our Approach

Contractor mortgages usually come down to considering some key points –

  • Daily rate
  • Work experience
  • Current contract
  • Any breaks

Further considerations include –

  • Deposit / Equity
  • Credit history
  • Other debt

As a contractor mortgage specialist, we work with lenders to help with cases such as –

  • Day one contracts (moving from employed)
  • Using daily rates (instead of PAYE, salary, dividends, profits etc)
  • Umbrella companies
  • Complicated tax structures
  • Low credit scores / credit issues

By working with a specialist, you can rest assured that you get the right advice and the solution you need.

Symmonds de Lacey believe that independent professionals should be respected and rewarded for their ambition, not penalised. Most importantly, we have the knowledge and experience to get you the mortgage you need.


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Why Symmonds De Lacey