Contractor Mortgages

If you are a contract worker you may have faced some challenges in achieving the mortgage you require. Some lenders are unable to consider contract income at all, opting instead to assess your income using self-employed documentation or company accounts. At Creative Lending Solutions, we know where to turn for a more contractor-friendly approach to lending, where your income will be assessed via the details of your contract alone, such as a daily pay rate.

You will typically need 3 months remaining on an existing contract or have a new contract to move onto to qualify.

If you are a CIS worker and you are not responsible for paying your own income tax, it should be possible for your income to be assessed using your monthly payslips. In this respect, your affordability for the new mortgage will be calculated in the same manner as if you were employed.

Cut through the complexities of finding a Contractor mortgage

We’ll search the market to find the best fit for you. Fill out our short form and we’ll be in touch to explore your options.

I cannot praise Mike Newman enough for the superb service he provided in arranging our mortgage. I'd have absolutely no reservations about recommending his services. Thanks, Mike!

M.F & S.F Cardiff

First class service. Mike Newman is extremely good at his job, knows his products that best suit your needs, responds really quickly to your messages, great to speak to on the phone.

J.M Penzance

Mike was amazing! After being let down by my own bank, Mike sorted everything. The whole process went along without any problems at all. He was always on hand if ever I needed to ask anything and he kept in touch with me along the way! Absolute 5* service!

K.P Birmingham

A first rate, professional service. We were very impressed with Mike. He kept us fully informed at each stage of the process, answering our queries and making what some consider a complicated and stressful time absolutely painless.

P.R & S.R Fareham

Outstanding service. Mike was extremely polite, helpful and knowledgeable. Always kept in contact and replied to emails returned calls quick and efficiently. More than happy with the service.

A.P Birchington

We are so pleased that we decided to choose this company for finding a new mortgage. Communication and their patience at answering our queries was excellent. We will not hesitate to use Creative in the future.

G.R & R.R Norfolk

Absolutely excellent, from beginning to end I couldn't fault Mike and Natalie. On time, responsive, proactive and accurate. Also the respect and understanding they demonstrated was unexpected in this world today.

S.O & N.O Lyme Regis

Our help with Contractor Mortgages

We can help you by sourcing an appropriate contractor friendly lender for your circumstances, ensuring that their particular criteria requirements are met. Whether this is for an income assessment based on a daily rate or by using payslips as a CIS worker we have it covered.

By understanding the unique requirements of one lender over another this better helps us recommend the most appropriate option to you; whether this is simply to obtain a more favourable deal, to raise additional borrowing or to make other changes to your mortgage arrangements.

We keep things as simple as possible and will be on hand at every step of the new mortgage process. We will complete the lender’s application form and forward them your supporting documentation. We will respond to the lender’s underwriter with answers to any questions they may have and to offer assurances where they may be required. Once your new mortgage offer has been issued, we will remain available for any questions you may have and for any changes that may be needed up until completion.

More great reasons to get in touch

Friendly, professional & convenient
Over 20 years’ industry experience
We value our customers
Same day pre-approvals
Full support provided
Jargon-free
Fast communication
Available weekdays until 7pm

Your home may be repossessed if you do not keep up repayments on your mortgage.