THE ULTIMATE GUIDE TO GETTING A MORTGAGE AS A CONTRACTOR IN 2025

The Ultimate Guide to Getting a Mortgage as a Contractor in 2025

The Ultimate Guide to Getting a Mortgage as a Contractor in 2025

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Contractors often face hurdles when applying for mortgages due to irregular income. Unlike traditional employees, contractors need specialist lenders who understand their financial profiles. At Contractor Mortgage Solutions, we help freelancers, IT contractors, and consultants secure competitive mortgage rates—even with just 12 months’ accounts.

Key Challenges & Solutions:


  • Income Proof: Lenders may accept day-rate contracts or SA302 forms.

  • Affordability: Specialist lenders use gross income, not just net profit.

  • Credit History: Bad credit? We work with niche lenders.


Pro Tip: Save 3-6 months of contracts to strengthen your application.

Why Choose Us?
✅ Access to 50+ contractor-friendly lenders
✅ No upfront fees
✅ Fast-track approvals

 

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