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    Mortgages for contract workers

    Compare UK's best mortgage deals in minutes

    • Real-time mortgage quotes
    • We'll find your best deal for you
    • Quickly compare UK mortgage market
    • Quote will not affect credit score

    Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

    experience a 5 star customer service

    Unsure which mortgage option is right for you?

    If you’re unsure which mortgage option is right for you – call today to speak with one of our mortgage experts or talk with us via our live mortgage advisor help chat.

    To speak to a mortgage advisor call 0800 029 1671
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    We’ve made getting the best mortgage deal fast and simple

    See why 1,000s of customers choose to Deal Direct

    • We compare the UK mortgage market for you
    • Our mortgage advisors are with you every step of the way
    • We’ve helped thousands of happy customers get the right mortgage
    • Online, by phone or live chat – complete your mortgage your way

    What our customers say…

    Efficient & professional service

    From the first contact, we had enquiring about types of mortgages to the final contact receiving confirmation that the funds had been released, the advisors were knowledgeable and professional. Responses to all our queries were always quick & comprehensive. Great service.

    Jane R.
    5 Star via TrustPilot

    THINK CAREFULLY BEFORE SECURING A MORTGAGE OR OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER BORROWING SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING, YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE BORROWING AND INCREASING THE TOTAL AMOUNT YOU REPAY.

    Deal Direct is a trading style of Deal Direct Financial Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority for regulated mortgage and non-investment insurance contracts. Our FCA Number is 478726.

    Mortgages

    • Overall cost for comparison: Estimated to be 6.70% APRC
    • Completion fees: Subject to circumstances, typically £198 upfront and £799 on completion
    • Complex cases: If your circumstances involve adverse credit, complex situations, debt consolidation, or commercial elements, fees may increase to a maximum of £2,693 with £198 payable upfront upon application
    • Fee structure: Fees are per application basis. Subsequent applications or amendments incur a separate £99 application fee

    We do not charge a broker fee for Product Transfers. A product fee may be payable to your lender, subject to and the terms of your new mortgage arrangement. Deal Direct Financial receives commission for this service, which is paid directly by the lender.

    A product transfer only provides mortgage options from your current lender. Please note, re-mortgaging to another lender could potentially enable you to get a lower rate so please consider obtaining whole of market advice when reviewing your options.

    Secured Loans

    Representative example: Based on borrowing £20,000 over 60 months:

    • Interest Rate: 7.55% fixed for 60 months
    • Monthly instalments: £448.16
    • Fees: Broker fee (£2,000); Lender fee (£395)
    • Total amount payable: £27,014.60, comprised of loan amount (£22,395) and interest (£4,618.60), including broker and lender fees
    • Overall cost of comparison: 9.50% APRC
    • Loan terms: Minimum 36 months, maximum 360 months
    • Maximum APRC: 29%
    • Broker fee: Maximum 10% of net loan amount (maximum £4,995), payable upon completion and can be added to your loan

    Homeowner loans are secured against your property. We are a broker and arrange secured loans from a panel of lenders of which we receive commission upon completion.

    Your adviser will confirm all costs in writing prior to any application being made.

    Insurance

    £200,000 life cover at £9.67 per month

    Example based on a 37-year-old non-smoker taking a 25-year Level Term Life Insurance policy with fixed monthly premiums.

    Important Assumptions

    This quote is for illustrative purposes and assumes:

    • You are in good health with no adverse family medical history
    • You don’t regularly participate in hazardous sports or activities (more than once per month)
    • Your occupation is not classified as high risk
    • Premiums paid monthly by direct debit

    What’s Included

    £200,000 lump sum payment on death during the policy term
    Terminal illness cover (12-month prognosis)
    Fixed premiums for the full 25-year term
    No medical exam required for this coverage level (subject to health questions)

    Key Exclusions

    • Death resulting from excluded pre-existing conditions

    Please note: While we work with a comprehensive panel of insurers, not all insurers are displayed. Contact us for our complete panel list.

    Commission Disclosure

    The exact amount of commission we will receive is not known at this stage. We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.

    Our Services

    • We are not limited in the range of mortgages we will consider for you
    • We can offer advice on both first and second charge loans
    • We offer a comprehensive range of mortgages from across the market
    • Note: We do not offer deals that you can only obtain by going direct to a lender
    • While our lender panel is comprehensive, some lenders are not displayed – you can view a list of these on our website

    © 2025 Deal Direct Financial Solutions Ltd

    Deal Direct Financial Solutions Ltd Registered in England & Wales Company No. 05446793. Registered Address: Suite B 2nd Floor, 3500 Parkway, Solent Business Park, Whiteley, PO15 7AL.

    Get help from specialist contractor mortgage broker Deal Direct to buy your dream home.

    Today, mortgage approval can be hard to achieve, and this is particularly true for contract workers. For these individuals, enlisting the services of a specialist contractor mortgage broker is invaluable. It can mean the difference between being able to buy your dream home/remortgage to a lower rate or not.

    If you are a contractor searching for a lender willing to offer favourable mortgage terms, the advice is to get professional help with your search. Within the market there are good deals for free lancers and contractors, but you need to know where to look.

    Contractor mortgage quote ›

     

    When choosing the right help, you need to ensure you end up with the right broker with access to a comprehensive range of lenders, one with advisers with years of experience sourcing specialist contractor mortgage deals. It’s a niche area, and you need to ensure you work with a broker who knows the market inside and out and can deliver on the mortgage you need.

    So why are we the contractor mortgage broker of choice?

    At Deal Direct, we work with lenders offering bespoke underwriting who view contractors in the same light as salaried employees, and who are used to applicants with more unconventional pay structures.

    We shop around the entire market on your behalf to find you a mortgage that:

    • offers bespoke/flexible underwriting solutions specifically designed for contractors
    • takes your total earnings into account to enable you to maximise borrowing potential
    • offers a highly competitive rate

    After reviewing your contract, we work out which lenders criteria you fit best. We have vast experience sourcing deals for contractors and self-employed workers, and provide bespoke, streamlined mortgage solutions.

    We have spent years building up relationships with specialist lenders willing to view applications from contractors in a fair manner, and are dedicated to achieving mortgage success for all our clients.

    If you would like to discuss your circumstances, call to us at Deal Direct, and speak to a specialist adviser.

    To discuss your eligibility for a contractor mortgage call us today on 0800 029 1671.

    Get a contractor mortgage ›

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