Are you self-employed
or a contractor?
We can help you borrow up to 300% more on your mortgage
Even if you’ve recently left a full-time job of 10 years to start your own business! Our specialty is helping self-employed professionals secure the perfect mortgage.
With combined experience of over 40 years, our consultants are true experts in their field. We guarantee you will find our process straight forward, professional, and more importantly friendly!
Get in touch now and start your new journey with us.

We can help you

Buying
a home

Remortgage
your home

Individual
buy to let

Ltd company
buy to let
We promise a friendly and professional service, where the journey of finding you the perfect mortgage will be done together.
Speak to an adviser and begin the journey with us now.
What We Offer
5% deposit options available
5 x income multiples
Day rate used to calculate income
Over 15,000 mortgage deals available
Access to exclusive mortgage deals you can't get direct with the high street lenders
Mortgage borrowing based on contract rate
No accounts needed
Residential and buy to let specialists
Free initial advice
Government Help to Buy

Flat fee
We’re so confident we’ll get you a mortgage, you pay nothing if we fail to secure you one.

Experience
With over 10 years experience in the industry, our knowledge and expertise will help you get you the mortgage you deserve.

300% more
We take out the risk factor that makes banks and building societies hesitant to give you a mortgage.

Professional & efficient
Our service is specifically tailored to your busy lifestyle. You won’t be waiting days for a callback.
Who knew banks were getting it wrong?
The problems you have going to banks and building societies are gone when you are dealing with us, whether you’ve been contracting for 10 years or you started freelancing last week. Speak to one of our friendly advisers and start your exciting journey the correct way!
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Mortgage advice & recommendations
We have in-depth knowledge of the market, especially when it comes to self-employed workers and contractors; it’s our business.
By learning about you and the way you work, we will find the perfect mortgage for you, laying out the fine details and taking into account all the costs and features (even beyond the interest rate!). We also have exclusive deals with lenders that a bank or building society will not be able to provide. Once you have decided on a mortgage, we will even fill out the paperwork for you to help you get started on your new and exciting journey as soon as possible.
Personal stories
I wish I went straight to Contractor Friendly Mortgages. When the bank turned me away I was worried I’d never be able to own a home, now I can keep doing what I love. I can’t wait to setup my new home office!
James

Meet James
James has been contracting for 6 months and is ready to purchase a house for his family.
Instead of seeking mortgage advice by coming to a company like us, he goes straight to the bank to see what kind of mortgage he can secure. Before he’s even able to have a look at what mortgages are available to him, the bank asks for at least 2 years of his limited company accounts before they can even look at any sort of mortgage funding. This makes James feel disheartened and stuck, which is the opposite to the feelings you should have when trying to buy your first home!
This is why we love our business: instead of basing his income on 2 years of your company accounts, we use bespoke contractor underwriting which will allow the bank to use the following calculation to work out James’ income. His company accounts show a salary of £10,000 per annum, he also takes a dividends of £30,000 per annum. The bank will then apply their standard income multiple of 4 or 4.5 times the income, meaning the maximum loan James will get is £160,000 – £180,000, which obviously is not enough.
When James came to us, we took his day rate of £400, multiplying that by 5 days a week, then at 48 weeks will give him an income of £96,000. If we then multiply this by 5, he is able to borrow up to £480,000, which is a 300% increase – compared with £160,000!
Your home may be repossessed if you don’t keep up repayments on your mortgage.
Some of our lenders












Contact us
If you’d like to know more about our services without the pressure of speaking to an adviser, please do not hesitate to get in touch. We know how daunting getting a mortgage can be, especially if you’re self-employed or a contractor. Use the form on the right and we will get back to you as soon as possible.
The internet is not a secure medium and the privacy of your data cannot be guaranteed.
Our Mortgage Guide
A FREE guide with advice you can depend on
Whether you’re buying your first home, buying to let, or remortgaging, this guide will help you understand the mindset you need to feel more confident about your financial decisions.

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