My Contractor Mortgage
Mortgage Brokers
My Contractor Mortgage
1st Floor, Watford
# My Contractor Mortgage
My Contractor Mortgage is a specialist mortgage brokerage based in Watford that arranges mortgages specifically tailored for contractors and freelancers. Unlike traditional lenders, they assess mortgage applications based on your signed contract rate rather than taxable income, eliminating the need for company accounts or tax returns.
The firm serves self-employed professionals across various industries who struggle to obtain mortgages through conventional channels due to complex tax structures and lower declared income. Their CeMAP-qualified advisors work with a curated network of specialist lenders including Kent Reliance, Axis Bank, Bluestone Mortgages and Bank of Ireland, who actively lend to contractors at standard rates without penalising fees.
What sets them apart is their streamlined approach: they require only signed contracts, bank statements, two years' industry experience, and proof of identification—removing unnecessary bureaucratic obstacles. Their free assessment and transparent process (typically completing within 7-10 working days) provides contractors with quick answers to whether lending is viable.
They handle three primary mortgage types: purchases for owner-occupied properties, remortgages to refinance existing debt, and buy-to-let investments. Their expertise in contractor lending removes the uncertainty many face when approaching high street banks, offering qualified guidance through every stage from initial assessment through to mortgage approval.
My Contractor Mortgage is a specialist mortgage brokerage based in Watford that arranges mortgages specifically tailored for contractors and freelancers. Unlike traditional lenders, they assess mortgage applications based on your signed contract rate rather than taxable income, eliminating the need for company accounts or tax returns.
The firm serves self-employed professionals across various industries who struggle to obtain mortgages through conventional channels due to complex tax structures and lower declared income. Their CeMAP-qualified advisors work with a curated network of specialist lenders including Kent Reliance, Axis Bank, Bluestone Mortgages and Bank of Ireland, who actively lend to contractors at standard rates without penalising fees.
What sets them apart is their streamlined approach: they require only signed contracts, bank statements, two years' industry experience, and proof of identification—removing unnecessary bureaucratic obstacles. Their free assessment and transparent process (typically completing within 7-10 working days) provides contractors with quick answers to whether lending is viable.
They handle three primary mortgage types: purchases for owner-occupied properties, remortgages to refinance existing debt, and buy-to-let investments. Their expertise in contractor lending removes the uncertainty many face when approaching high street banks, offering qualified guidance through every stage from initial assessment through to mortgage approval.
Services offered
Contractor purchase mortgagesContractor remortgagesBuy-to-let mortgages for contractorsFree mortgage assessmentAgreement in PrincipleMortgage application submissionProperty survey coordinationMortgage approval facilitation