Contractor Mortgages

Specialist Mortgages for Contractor and Freelancers


Mortgage Enquiries


Mortgages Accepted

Securing a mortgage as a contractor of freelancer may seem daunting - but at MortgageKey we have a track record of helping people find highly competitive deals.

And as many lenders now make offers purely on daily contract rates – not years of company accounts – you could secure a mortgage as soon as you start contracting.

Why Choose MortgageKey for Contractor Mortgages?

We know the contractor mortgage market

Our team’s knowledge of the contractor mortgage market, and excellent relationships with lenders, ensure you get the best offers

We’re completely independent

We’ve no tie-ins with certain lenders. As we’re fully independent and unbiased our focus is solely on finding the best option for you

Pay nothing until completion

We don’t ask for any payment until your self-build mortgage deal is complete

Award-winning expertise

We’ve been recognised for our fantastic range of products due to our large network

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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Contractor Mortgages - Your Questions Answered

Despite their ‘higher risk’ nature of work, contractors and freelancers are increasingly being assessed in the same way as company employees for mortgages.

And, as our expert advisors at MortgageKey are completely independent, keeping up-to-date and in contact with a wide variety of lenders, we can secure deals much which are more straight forward than if you walked into a high street bank.

What is a Contractor Mortgage?

Contractor mortgages are a specially designed for people whose income is reliant on contracts.  All of the normal mortgages can still be accessed, but given there are no firm guarantees about the monthly repayments once a contract comes to an end on a project, a significant financial assessment should be expected and prepared for.

Do contractors struggle to get a Mortgage?

At MortgageKey we have found there to be a good range of lenders willing to offer mortgages to contractors and freelancers, and for quite some time this has been based purely on their contract rates, so there’s no need for a backlog of accounts to secure a deal.

Will I need a large deposit to secure a Contractor Mortgage?

Like any mortgage deal, the bigger deposit you are able to commit to the better, but it is myth that contractors have to put down a much larger deposit payment than people who are employed. Factors including income and period of borrowing come into consideration as they do all mortgages. There are contractor mortgages being offered with 10% deposits.

Why use a specialist broker to find a Contractor Mortgage?

A high street bank or building is likely to ask for a number of years accounts, which of course places a major obstacle in the way of first time contractors. At MortgageKey, our complete independence means we can research and find the very best deal to suit your individual circumstances.

We know there are many lenders who are very understanding of how contractors work and our team can advise on the most competitive mortgage interest rates being offered.

What our clients are saying

  • I went from not thinking I could get a mortgage, to mortgage approved in 2 weeks, and at a rate I never thought possible! The service provided by Jami...
  • Very well organised and friendly . Told us upfront what to expect and what it was gonna cost . Very honest with what they tell you . Always keeping yo...
    Oliver Cole
  • I was dealing with Jamie Money for my remortgage enquiry great communication, Kept me informed throughout the process and managed to save me money! wi...
    Michele Clark
  • Would highly recommend they were very helpful and it was a very easy process 👍👍
    Carl Dean
  • Great good quick service thank you
    Dale Bromell
  • The service I received from Matt was first rate. Sorted out a deal in very quick time with no fuss. I would strongly recommend this company.
    Mr Brandon
  • I have recently been dealing with Jamie Melling and it has been nothing but straight forward from the start. He has been very informative, answering a...
  • What a fantastic company this is so helpful and willing to go the extra mile to get things done Jamie money,Meghan,Rebecca and Olivia are amazing I wo...
    Emma Gregory
  • Good service so far.
  • This was my second property, but same comments as the first one. The chap I was dealing with, Karl, was great and very helpful. We got a good result...
    Jeffrey Peyton-Bruhl
  • We just want to thank Callum for being amazing. We honestly could not have asked for a better mortgage advisor, he put up with us calling all the time...
    Jessica Boyle
  • Callum was excellent highly professional and very approachable, I would definitely recommend the company to anyone that I know Shazad
  • kept in touch every step of the way. always responded quick to emails and my questions. kept in the loop constantly on each step of the process. fr...
    Hayley Reay
  • Very easy to deal with, good communication and service. Got me a mortgage with a high street lender when other brokers said they couldn’t.
    Mark Tomlinson
  • Morgage key have communicated with us through out, if they have only just checked to say Hi and if there was anything they could do Whilst waiting fo...
    Heather Twigg
  • Easy to deal with. Quick and efficient. Great customer service. Mortgage to meet my needs and a competitive rate. Also sorted life insurance too. Hig...
    Diane Franklin
  • The second time we have used mortgage key now and we are really happy. It was great to deal with Karl again, he gave us solid advice and we had a laug...
    Daniel Conelly
  • Super fast great comms will use again
  • Fantastic service. Offer issued within a week.
    Charlotte D
  • Great service, good communication and on the ball! I would recommend to a friend to use MortgageKey, helpful and polite. Thank you!
    Ann-Marie Smith

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