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Contractor Mortgage

Whether you are working freelance, through an umbrella company or you are the director of your own limited company, at LDNfinance we have access to lenders who take a common-sense approach to underwriting mortgage applications from contractors.

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Contractor Mortgage

When it comes to securing bespoke property finance products for contractors at market-leading rates, we’ve got you covered.

As a contractor, you will already be aware the securing a mortgage is a little more difficult than if you were fully employed. While your contracting career offers great flexibility and independence, it can also mean that many lenders can struggle to take a view on your circumstances due to the complexity and changing nature of your income profile. However, as the self-employed, contract and freelance economy continues to grow rapidly in the UK, there’s no need to despair – there are many property finance lenders out there who are willing to lend to you.

At LDNfinance, we have a proven track record when it comes to securing fantastic contractor mortgage solutions for our clients. We will work closely with you, your accountant and solicitor, to gain a full picture of your earnings and income profile in order to best present your case to our vast network of lenders and satisfy any stringent affordability checks. Your personal LDNfinance adviser will also help you to strengthen your case along the way, finding creative and flexible ways for you to better evidence your income security and gather all of the documentation you may need.

To discuss your contractor mortgage and circumstances in more detail, get in contact with our expert team today.

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our values

How we work

01

Service

Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.

02

Expertise

We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.

03

Relationships

We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.

Market-leading contractor mortgages with LDNfinance

Contractors often present a more complex challenge when arranging property finance, but that is where our proven property finance professionals excel. Your dedicated LDNfinance mortgage adviser will take the time to understand the way you work as an independent professional. This enables our team to ascertain the best way to present your income to mortgage lenders.

In some cases, this could mean working from your ‘daily rate’ rather than the more traditional representations of earnings. Consequently, this means that your LDNfinance mortgage adviser can access mortgage products from some of the mainstream lenders that often offer the lowest rates and the highest lending capabilities.

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Bespoke mortgage advice for contractors and independent professionals


Traditionally, contractors have faced a struggle obtaining property finance. They have previously fallen foul of the strict lending criteria of high-street banks and building societies. Today, our mortgage advisers take great pleasure in being able to assist our contractor clients in obtaining bespoke mortgage products.

We do so thanks largely to our network of lenders and underwriters that bypass the traditional means of income assessment, reviewing your personal income on an individual basis. At LDNfinance, we believe independent professionals like you deserve a residential mortgage partner you can trust. Our mortgage advisers are dedicated to negotiating hard on your behalf to secure property finance that works on your unique terms.

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Testimonials

Our happy clients

Excellent and outstanding professional service from start to finish. From offering as many options as possible, to explaining to me very quickly what the benefits are and what I should really be thinking about moving forward. Thoroughly recommend.

Mr. M

July 2021

5 Stars! The LDN team supported us purchasing our family home, without their support and as an expat it would have been very difficult to obtain our new home in the UK. I would totally recommended them.

Mr. S

August 2021

Johnny Martin held our hands through the entire process calmly and professionally. Brilliant service, efficient and swift in response to everything. He made the entire journey uncomplicated even when the bank made it complicated. Highly recommended.

Mr. H

July 2021

we are here to help

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Contact our professional and experienced residential mortgage advisers and start your property finance journey today.

 

Prefer to chat? Call us on 020 3903 9875

 

5-star assurance for service and excellence