Award Winning Contractor Mortgage Deals

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Award Winning Contractor Mortgage Deals

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Contractor Mortgages

MortgageKey appreciate how tricky it can be to secure a contractor mortgage. That’s why our friendly and reliable experts will make sure they find you the right deal, before you apply, offering support and advice along the way. Our award winning services could save you valuable time and money!

"Up-to-date, relevant and reliable information gave me the confidence to proceed "
"Honestly, one of the best customer experiences I've had"
"Fantastic and friendly staff"
"Up-to-date, relevant and reliable information gave me the confidence to proceed "
"Honestly, one of the best customer experiences I've had"
"Fantastic and friendly staff"

Common Questions about Contractor Mortgages:

  • What are Contractor Mortgages?

    Contractor mortgages are a specialist mortgage designed for individuals whose income is reliant on contracts. Contractors can still access all of the normal mortgages but Lenders do categorise contractors as a high risk. Mainly, because there are no guarantees about the monthly repayments once a contract comes to an end on a project. Despite this, specialist brokers like MortgageKey, can obtain competitive mortgages and borrowing.

  • Why do contractors struggle to get a Contractor Mortgage?

    One of the key reasons as to why many contractors miss out on mortgages is down to a lender’s lack of knowledge. Unfortunately, many contractors are still assessed on their company accounts rather than what they earn. It’s also a myth about having a hefty deposit as a down payment. There are many reasonable rates out there which only ask for a 10-25% deposit.

  • What else should you know about Contractor Mortgages?

    For quite some time now, contractors have been securing mortgages based purely on their contract rates, so there’s no need for a backlog of accounts. A copy of your contract, valid ID and bank statements are enough to get started. Essentially, you could begin to arrange a contractor mortgage as soon as you start contracting as long as you’ve demonstrated that you are not a high risk to the lender. If your credit rating reflects the rest of your record, and the likes CCJs and missed mortgage repayments from the past are non-existent, you should be viewed just like any other mortgage applicant.

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  • Get a quick idea

    Our mortgage advisors are available Mon-Fri from 9am to 8pm, giving you plenty of opportunity to seek a quick overview of what your mortgage deal could potentially look like.

  • Speak to the experts

    A dedicated team of mortgage experts will answer your questions, queries and provide quality advice for your personal circumstances and the specific mortgage product suited to you.

  • Let us do the hard work

    We’ll take care of your application to your chosen lender from start to finish, in record time. All for free.

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