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

  • Zoe and Sally were both really professional but friendly. They are a credit to your company.
    Iain Pay
  • World class service from Day 1 to completion. Highly recommended. In particular the service from Georgia Hardcastle and Olivia Russell was fantastic -...
    Paul Hennessy
  • Great service from start to finish and good terms too. Hoping the solicitors are as good now completing the process.
    Paul H
  • Great team did everything spotlessly and didn’t have to be chased up
    Dale Sutherland
  • Excellent service and trusted help So efficient
    Mrs Diane Brown
  • Very efficient service from start to finish. Communication was exceptional and was always informed and guided every step of the way
    Michael Newbery
  • 5 Star Service
    John Kleinman
  • They have been so helpful every step of the way they have always been quick to rely to every email I’ve sent them. And help me get a decision in pri...
    Mr Terry Mcdonald
  • Quick and efficient service.
    Nic Phipps
  • Very helpful assistant. Straight swap and terms I was looking for, saved a few quid a month
    Bob hope
  • Great fast and friendly service
  • I have been dealing with Georgia Hardcastle at Mortgage Key, she is so helpful and have explained everything to me. I am a first time buyer and I was ...
    Pedro Amaral
  • Extremely professional service and courteous staff.
    Mr. Michael Rundle-Brown
  • Mortgagekey are an excellent mortgage broker service. Secured a mortgage with a high street lender within 4 weeks from DIP to full offer. Our case was...
  • Brilliant service, can’t fault
    Aimi Buchanan
  • My broker Rory was able to get me a mortgage where others had failed.A credit to the company.
    John Wilkinson
  • We recently used Mortgage Key. Everything was straight forward and done quickly, from the initial quote to receiving the mortgage offer we were kept...
  • A really good service, Quick and efficient, no stress at all. Knowledgeable staff, who were a pleasure to deal with. I would recommend them and defini...
    philippa Wall
  • Very professional and friendly approach. They managed to find a mortgage which matched all our requirements. Great service! Thanks a lot!
  • Great service from the beginning of the process.
    Bruno Cabral

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Ready to talk? Speak to an expert today: 0800 077 8980