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Apply for a contractor mortgage with L&C

Contractor mortgages can be tricky to get, especially if your income tends to fluctuate or you don’t always have regular work, but at L&C we’re here to help you find the best deal to suit your needs.

Our online Mortgage Finder tool can help you research the mortgages you might be eligible for. If you need any support, or just want to talk through your options, our expert advisers are on hand to recommend which mortgage is best for you based on your individual circumstances.

We will also help you through the application process from start to finish, advising on which paperwork you’ll need to support your application. Get in touch now to see how L&C could help you, and remember, our advice won’t cost you a penny.

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Finding the best contractor mortgage deal

Contractors can face several challenges when trying to take out a mortgage.

Some work contracts might only last for a few weeks or months, which may make lenders nervous that mortgage payments may be missed when they finish.

Income for contractors and the self-employed can also fluctuate from month to month. Given this irregular income, it can be difficult to know how big a mortgage you could get. You can use our range of mortgage calculators to help you work out how much you might be able to afford to borrow, and what your mortgage is likely to cost.

Despite the challenges contractors face, many lenders are willing to provide mortgages to the self-employed and contractors, and some have altered their lending criteria to help.

At L&C, we know which lenders specialise in contractor mortgages, and the steps you can take to improve your chances of being accepted.

Contractor mortgages FAQs

Can independent contractors get a mortgage?

Independent contractors can get a mortgage provided they meet lenders’ affordability criteria and can demonstrate that they have a consistent income. Find out more in our guide: ‘How to get a mortgage if you're self-employed.’

How can a contractor get a mortgage?

Our advisers here at L&C are experienced at finding mortgages for the self-employed and can advise which lenders tend to look more favourably on applications for contractors. Learn more in our guide to: ‘Securing a mortgage on a temporary contract.'

How can I strengthen my mortgage application as a contractor?

Contractors can boost their chances of having their mortgage application accepted by making sure they have proof of earnings from the last two or three years. If they can prove they have plenty of work going forwards, and if they can put down a substantial deposit, this can also help. Find out more about the importance of keeping your paperwork up to date if you’re self-employed.