# Contractor Mortgages

Contractor Mortgages is a specialist mortgage brokerage based in Pinner that focuses exclusively on arranging mortgages for UK contractors and self-employed workers. Founded by ex-freelancers who experienced firsthand the difficulties of securing competitive mortgage finance, the firm has built a reputation as the preferred broker for thousands of independent workers across the country.

The business addresses a persistent problem in the mortgage market: traditional lenders and generic brokers often penalise contractors with irregular income, limited trading history, and non-standard payslips. Contractor Mortgages has negotiated bespoke underwriting criteria with major high street lenders, educating them on how to properly assess contractor earnings. This specialist knowledge allows them to secure competitive rates that mainstream lenders would otherwise deny.

What sets them apart is their unique approach to affordability assessment. Rather than relying on tax returns and payslips—which don't accurately reflect a contractor's disposable income—Contractor Mortgages bases mortgage amounts on actual contract rates. This typically results in clients qualifying for larger mortgages than they would through conventional lending channels.

The application process is streamlined, requiring only a signed contract, proof of ID, CV, and three months' bank statements. The firm handles all legwork, removing the frustration and rejection that many contractors face when approaching traditional brokers or high street advisors unfamiliar with the contractor economy.