Seeking a contractor mortgage? Which lenders consider you to be low-risk?

If you are searching for a contractor mortgage, you may be disappointed to discover that not all lenders consider you to be low-risk.

How then do you determine which lenders will accept your mortgage application?

The answer would be to make your initial enquiry through Deal Direct.

With a substantial amount of experience accrued in sourcing contractor mortgages for our clients, we are very familiar with the market and which lenders welcome business from contractors.


Leeds Building Society, for instance, is one lender that understands the way you earn your living doesn’t fit neatly into a box and could, therefore, have suitable mortgage options for you.

Their lending model includes:

  • not being assessed as ‘self-employed’ or ‘employed’
  • 12-month contracting experience requirement
  • lower minimum income requirement (when compared to other lenders)
  • allowable gaps between contracts
  • applications from contractors from any sector of industry (not just IT, oil or financial services)

Leeds BS is one of a number of lenders who are designing and implementing mortgage products that meet individual contractor’s needs.  Their aim is to offer contractors a much fairer deal. By taking a much more flexible approach to underwriting, individual cases can be considered on their own merits.

The trick, though, is knowing which lenders deliver this service and which don’t. This is where Deal Direct can offer value by steering you towards a mortgage product that can satisfy your needs.

Contact us directly on 0800 048 8828 or chat with us online now to discuss your requirements.

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Article published: Wednesday, July 18, 2018
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