Contractor Mortgage Brokers

As seen on Contractor UK, AS Financial is one of the foremost contractor mortgage advisers in the UK. AS Financial is able to look at your income profile, whether sole trader, umbrella or limited company and assess how best to get you the borrowing you need using your contracted daily rate.

We will discuss what documentation is viable and fit our recommendation to you. You will be surprised by how flexible your borrowing options are when you use a contractor specialist adviser.

Our expertise and relationships with the banks mean you will be treated favourably when making your application. Therefore, it is important to speak with your adviser before speaking with any bank and before putting in offers on properties, so you can get the full picture of the potential property you can purchase.

Is it difficult to get a mortgage as a contractor?

Getting a mortgage as a contractor can be more challenging than for those with traditional employment, but it’s definitely achievable. To improve your chances of approval, consider these simple steps: Offer a larger deposit to reduce the lender's risk.

Can contractors get a mortgage?

Absolutely. Self-employed individuals, including contractors, can secure mortgages, often with favorable terms. However, the application process is more demanding, and the likelihood of rejection is generally higher.

How long do you have to be a contractor to get a mortgage?

Most lenders require self-employed contractors and subcontractors to have at least 12 months of work history before considering them for a mortgage. However, even if you are new to contracting we may be able to get you a mortgage.

Can I get a mortgage as a day rate contractor?

Yes, many contractors are paid a daily rate for their work. However, if this applies to you, your options may be more limited, as fewer lenders are willing to consider daily-rate income for a loan.

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Why customers use AS Financial

Modern mortgage advice

In conjunction with our highly trained professional mortgage advisers, AS Financial uses the latest industry technologies to make your mortgage journey more educated and informed. AS Financial believes in using technology to make your life easier, not forcing our clients to use technology. It’s important to us that you always have advice from a mortgage professional and every client has their own allocated adviser.

Truly independent advice

AS Financial searches the whole market each and every time. You are an individual with individual circumstances making you unique. We understand and embrace these differences and carry out bespoke market research for every one of our clients. Of course we want you to get a great rate, but more importantly, we are here to make sure you achieve your goals from first property purchase to re-mortgaging your buy to let portfolio.

Expert implementation

AS Financial believes in mortgage professionals, not just in the areas of advice, but also in progressing your mortgage and making sure it completes. At each stage of your mortgage you are allocated the correct expert for you to rely on, through our Technical Progressing Team and our Completion Team. We truly believe this sets us apart in the mortgage advice arena and makes sure our clients get the attention they deserve at all stages.