Contractor Mortgages

Specialist Mortgages for Contractor and Freelancers


Mortgage Enquiries


Mortgages Accepted

Securing a mortgage as a contractor of freelancer may seem daunting - but at MortgageKey we have a track record of helping people find highly competitive deals.

And as many lenders now make offers purely on daily contract rates – not years of company accounts – you could secure a mortgage as soon as you start contracting.

Why Choose MortgageKey for Contractor Mortgages?

We know the contractor mortgage market

Our team’s knowledge of the contractor mortgage market, and excellent relationships with lenders, ensure you get the best offers

We’re completely independent

We’ve no tie-ins with certain lenders. As we’re fully independent and unbiased our focus is solely on finding the best option for you

Pay nothing until completion

We don’t ask for any payment until your self-build mortgage deal is complete

Award-winning expertise

We’ve been recognised for our fantastic range of products due to our large network

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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Contractor Mortgages - Your Questions Answered

Despite their ‘higher risk’ nature of work, contractors and freelancers are increasingly being assessed in the same way as company employees for mortgages.

And, as our expert advisors at MortgageKey are completely independent, keeping up-to-date and in contact with a wide variety of lenders, we can secure deals much which are more straight forward than if you walked into a high street bank.

What is a Contractor Mortgage?

Contractor mortgages are a specially designed for people whose income is reliant on contracts.  All of the normal mortgages can still be accessed, but given there are no firm guarantees about the monthly repayments once a contract comes to an end on a project, a significant financial assessment should be expected and prepared for.

Do contractors struggle to get a Mortgage?

At MortgageKey we have found there to be a good range of lenders willing to offer mortgages to contractors and freelancers, and for quite some time this has been based purely on their contract rates, so there’s no need for a backlog of accounts to secure a deal.

Will I need a large deposit to secure a Contractor Mortgage?

Like any mortgage deal, the bigger deposit you are able to commit to the better, but it is myth that contractors have to put down a much larger deposit payment than people who are employed. Factors including income and period of borrowing come into consideration as they do all mortgages. There are contractor mortgages being offered with 10% deposits.

Why use a specialist broker to find a Contractor Mortgage?

A high street bank or building is likely to ask for a number of years accounts, which of course places a major obstacle in the way of first time contractors. At MortgageKey, our complete independence means we can research and find the very best deal to suit your individual circumstances.

We know there are many lenders who are very understanding of how contractors work and our team can advise on the most competitive mortgage interest rates being offered.

What our clients are saying

  • Efficient , great customer service and an easy process.
  • Excellent service from the guys at Mortgage Key. Callum was amazing. Georgia and Gareth were awesome too. WELL DONE
    Mr Mohammad Razak
  • Excellent Service.
    K Gill
  • Great staff very helpful, they keep you upto date with everything.
    Mr M Shafqat
  • Absolutely amazing couldn’t have asked for a better mortgage company.
  • Mortgagekey have been excellent so far in helping me and my partner, always happy to help and keep us up to date with the status of our mortgage appli...
  • A perfect customer experience from start to finish: knowledgeable, reliable and lovely to talk to. Thank you Sally! X
    Michael Spaul
  • Extremely efficient and friendly and nothing is too much, they keep you informed every step of the way excellent service would highly recommend.
    Leanne Palmer
  • I have used Mortgagekey to remortgage two properties three times now. They have been excellent at every step of the way - and they got us great rates!
  • I would recommend mortgagekey because their professional service and keeping on top of things in a very difficult time and always keeping me up to da...
  • Within a couple of hours Jamie had found us a lender after we were let down by our own bank that we have been with for over 30 years. Everything went ...
  • Absolutely amazing service! Rory was fantastic from beginning to end- reassured me no end too! I would strongly recommend using Mortgage Key to anyo...
    S M Dalby
  • Excellent help to get a remortgage . Thank you . Efficient and knowledgeable.
    Laura R
  • Dealing with mortgage key has been effortless. Callum has made me feel at ease during the whole process and to be honest I cannot think of one bad thi...
    Daniel Mitchell
  • Always give excellent advice and service
    Nicola Rice
  • Really good service with these guys. The whole team were really informative through out even through the covid 19 pandemic! Couldn’t recommend more!...
    Leo Berry
  • Excellent service..very friendly and knowledgeable advisors...thank you Tracy..I can thoroughly recommend them. This is the fourth time I've used them...
    Pamela Davey
  • Great service, offer within 12 hours.
    Mr Daly
  • Superb from start to finish
  • At the beginning of the Coronavirus pandemic, I was close to signing a new mortgage deal which was nearly £200 more expensive than the deal they have...
    Benjamin Bailey

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Ready to talk? Speak to an expert today: 0800 077 8980