Contractor Mortgages
Securing competitive lending based on your true day-rate income, without the corporate hurdles.
In the modern professional landscape, it is increasingly common for high-earning experts across IT, management consultancy, law, and banking to operate via short-term, rolling contracts. While this structure offers fantastic professional flexibility, standard high-street mortgage underwriting can often struggle to interpret day-rate or hourly-rate income accurately. Submitting a traditional application without a specialized approach can result in needlessly wasted time, unfair borrowing limitations, or outright rejections.
We believe your career choice shouldn't penalize your borrowing power. Securing a mortgage as a contractor requires ensuring that your contract status, corporate structure, and true earning capacity are fully understood by a specialist underwriter before any application is formally submitted. We cut through the red tape by presenting your income correctly from day one, leveraging tailored lender criteria to unlock the competitive rates you deserve.
Day-Rate Multiplier Calculation
We utilize specialist lenders who calculate your maximum borrowing capability directly from your current gross day-rate, rather than forcing you to rely on restrictive net profit or director’s salary history.
Low-History & First-Contract Approvals
While some traditional banks demand three years of full trading accounts, we work with flexible lenders who require nothing more than a copy of your current contract—even if you have only recently transitioned to contracting.
Pre-Approved Document Verification
We manage and verify your pivotal documentation—including contract trail history, bank statements, and company structures—aligning them with exact criteria parameters at the outset to guarantee a seamless application process.
As an independent professional or consultant, your financial profile is dynamic, sophisticated, and highly capable—and your mortgage process should reflect that. We pledge to eliminate the friction typically associated with contractor lending. By managing the underwriting relationship directly and securing upfront agreements from specialist decision-makers, we ensure your true income is valued correctly, allowing you to secure your property smoothly and efficiently.
LENDERS WORKED WITH
150+
CLIENT SATISFACTION
98%
YEARS EXPERIENCE
16+
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Most Buy-to-let mortgages are not regulated by the Financial Conduct Authority.
The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable in any other country that may have access to it.
TSK Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD. Registered in England No. 2412345.
Approved by The Openwork Partnership on 24/03/202