Yes, you can get a mortgage as a contractor! But it’ll be more difficult compared to someone who’s in full-time employment. For example, a mortgage lender might want you to provide accounts for the last few years, and prove that you’ve got stable work for the future.
In some cases, contractors don’t need to have three years’ worth of accounts and can even get approved for a mortgage based on their day-rate. You’ll just need to find a specialist mortgage lender that understands the nature of contract work, and is willing to review your application based upon the terms of your current contract.
And even if you’ve only just started contracting, and therefore have no accounts, you still have options that our specialist mortgage brokers can explore for you. Get in touch to speak to a broker that can help you.
We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.
Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.
No robots, no automated answers. We use technology to connect you to a real person. Not replace them.
We only get paid when your mortgage is approved.