Mortgages for contractors

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Can I get a mortgage as a contractor?

Yes, you can. Getting a mortgage as a contractor can be more difficult than someone in full-time employment. For example, sometimes, a lender might want you to give more accounts than someone who’s full-time employed. 

In fact, in some cases, contractors do not need to have three years’ worth of accounts and can even get approved for a mortgage on their day-rate, with some specialist contractor-friendly lenders happy to lend 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.

What criteria do lenders put in place for contractors?

What are the different types of contractors?

How long do I have to be contracting to get a mortgage?

How much can I borrow as a contractor?

How do umbrella companies affect contractor mortgages?

Can I get a mortgage on a zero-hours contract?

Can I get a mortgage as a professional contractor?

Why use Haysto?

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.

Read our story
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We help when others won’t

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.

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Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.

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Your success is our success

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.

SAY HELLO TO YOUR SPECIALIST BROKER

Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Image of mortgage broker Jemma Talliss

Jemma Talliss

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Image of mortgage broker Paul Clark

Paul Clark

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Image of mortgage broker Lynn Cutts

Lynn Cutts

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Image of mortgage broker Steve Hatton

Steve Hatton

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Image of mortgage broker Jeanette Clark

Jeanette Clark

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Image of mortgage broker Carrie Knight

Carrie Knight

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Image of mortgage broker Jonathan Hunting

Jonathan Hunting

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Get connected to a specialist self employment mortgage broker who can make a mortgage possible for you.

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