Find a contractor mortgage lender that truly values your business with Deal Direct.

Finding a contractor mortgage lender who truly values you as a client can feel like an uphill battle.

That is unless you have the expert guidance and help of leading mortgage broker, Deal Direct.

According to national statistics, 15% of the UK’s total workforce is working for themselves on a self-employed or contract basis. The greater number of this percentage is made up of women who have started their own business and the amount of people over 65 who are working for themselves has doubled over the last 5 years.


The most common forms of self-employed or contracted work are:

  • management consults
  • taxi drivers
  • construction workers

While the number of people working for themselves is at the highest level seen in the last 40 years, the downside is that the average income generated has fallen by 22% since the financial crisis a decade ago.

The reason why many lenders may continue to undervalue contractor clients could be that they feel income is an issue either because:

  • the amount falls short of their stipulated minimum
  • the amount comes from different sources on an irregular basis

However, help is at hand and by consulting with Deal Direct, we can help you to source residential or buy to let contractor mortgages. We work with lenders who ask for only 1 year’s accounting or:

  • SA302 plus HMRC tax overview
  • £15,000 min income
  • no minimum trading period

…and with lenders who offer:

  • products with free valuations/legal packs/cashback
  • lifetime trackers and fixed rates for various terms for mortgage or remortgage

For further details, chat online to one of our team members now or call 0800 048 8828. 

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Article published: Tuesday, April 03, 2018
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