Unfortunately we have come across too many Contractors who have missed out on securing a mortgage through a high street lender because the adviser doesn’t understand their unique Contractor status. It’s easy to obtain an ‘online agreement in principle’, but often after a nerve wracking two week wait, you’re rejected when the underwriter realises you’re not a permie or asks for your accounts, which as a Contractor clearly won’t reflect what you actually earn. As a specialist in financial advice for Contractors we are able to secure you a mortgage on your contract rate alone. We have helped over 22,000 Contractors like you achieve their financial objectives.
Contractor Mortgages Advice for the High Street
We are thrilled to prove that you can easily secure the same ‘High Street’ mortgages as someone in permanent employment. We fully understand how and where to properly submit mortgage applications to ensure success. Over the years we have built strong relationships with leading high street lenders who understand your unique employment status so we are able to secure the right deal for you. We provide specialist underwriting and can offer a wide range of exclusive mortgage deals.
Mortgage Advice for Contractors
Freestyle Financials (operated by Contractor Financials Ltd) are Independent Financial Advisers (IFAs), directly regulated and authorised by the Financial Conduct Authority. We provide a whole of market service, which means we can advise you on a range of suitable mortgages from a whole host of different lenders. We ensure that interest rates are competitive and favour Contractors unique needs. We can secure you a mortgage using your contract rate alone, up to 5x your income, which avoids the need for submission of pay slips and company accounts which often do not truly reflect your income. We can even secure you with a mortgage in the 1st week of your first contract, so you do not have to have been contracting for long to seek our advice and services.
Purchasing a new home is one of the biggest financial commitments you will make in your life. We understand this and offer a highly personalised service. Our team of expert advisers can guide you through the whole process from start to finish to ensure your mortgage application is dealt with quickly, efficiently and without hassle. By using us you will have access to free personalised expert advice and the same products as your permie colleagues at no additional costs.
In the close-knit community of contracting, we are proud that many of our new clients come to us via a recommendation from other satisfied contractors who have used our services. Any recommendations we make to you are based on your needs and circumstances. We understand that time is money to a contractor, therefore you don’t need to take time out of your busy schedule to speak to us, we conduct all our service over the phone and email at a time that suits.
Whether you’re looking for specialist contractor mortgage advice as a first time buyer who’s keen to stop renting and get on the property ladder, ‘trading up’ to a house that reflects the hard work you have put in as a Contractor, looking to purchase a second property to rent as an investment for future retirement or simply looking to save money each month on your existing loan by re-mortgaging, we can help you. Simply fill out the form below to get a free mortgage consultation.