Working on a fixed-term contract? Find out how mortgage lenders assess contract workers, what documents you’ll need and how to improve your chances of getting approved.
Can You Get A Mortgage On A Fixed-Term Contract?
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Articles by
Louis Mason
Louis Mason
Louis Mason is Marketing and Communications Director at Oportfolio Mortgages and has more than ten years of experience working within financial services. Louis oversees Oportfolio’s marketing and communications, producing and managing mortgage-related content across the website, including guides, news articles, market commentary and case studies. He works closely with Oportfolio’s mortgage advisers and other industry professionals to turn complex mortgage and property topics into clear, accessible information for borrowers. His writing covers a broad range of subjects including mortgage affordability, first-time buyers, remortgaging, buy-to-let, high-net-worth and complex mortgages, lender criteria and developments in the UK mortgage and property markets.
UK Mortgage Market Update – 6th of July 2026
UK house prices were flat in June, mortgage approvals fell sharply, and affordability remains under pressure. Read the latest UK mortgage market update from Oportfolio Mortgages.
Lloyds Premier Mortgage Deals Now Available Through Brokers
The mortgage market continues to evolve, and there's some good news for eligible Lloyds Premier customers. From the 7th of July, borrowers with a Lloyds Premier Current Account can now access a range of exclusive Lloyds Premier mortgage deals through authorised...
Pressures Of Mortgage Rate Hikes Still Yet To Come
The most sensitive topic on the lips of current and potential mortgage borrowers in the UK at the moment is mortgage rate hikes. The news is full of horror stories of how rates have shot up over the last few months, leaving thousands of borrowers worse off on their...
More Rate Rises Than Reductions This Week
In the week leading up to and in the immediate aftermath of the Bank of England's latest base rate rise, the UK mortgage market unfortunately saw more mortgage rate rises that mortgage rate reductions. On the 11th of May the UK's central bank the Bank of England...
New Fee Free 95% Mortgage From Building Society
As property prices have become more expensive and the ability to save larger deposits has become more and more difficult, an increasing demand for higher loan to value mortgages has been seen across the mortgage market. The dissolution of the Help to Buy scheme this...
New Bank of England Base Rate of 4.5% Announced
As predicted by most people, the Bank of England has announced that they will be increasing the base rate again. This time by 0.25%. The new Bank of England Base Rate of 4.5% is a whopping 3.5% increase on the 1% level that it was in May 2022 and a 15-year high. What...
Accord Lowers Minimum Income For Higher Mortgages
Accord mortgages have announced that they will be making it easier for people to borrow more than 4.49X their income as a mortgage. The standard borrowing amount for most people looking to get a residential mortgage is between 4X and 4.5X income, with lenders offering...
Over 700,000 Missed Mortgage And Rent Payments
As the tight grip of the UK's current economic crisis takes hold, millions are starting to notice that their money isn't getting them as far as it once did. The price of energy bills has increased significantly, costing homeowners and renters thousands more per year....
Buy-To-Let Affordability Assessment Changes
Buy-to-let affordability assessment stress tests and calculations have got extremely strict in comparison to where they were last year. Lenders have had to restrict their generosity with affordability assessments and increase their requirements at affordability stage...
New 100% Mortgage From Skipton
Building society Skipton have sensationally announced that they are launching a new 100% mortgage product, that means that potential borrowers can get a mortgage for 100% of the value of a property, without having to contribute any deposit themselves! This is a very...
Holiday Let Mortgage Criteria
What Are Holiday Let Mortgages? It might seem like a fairly obvious answer, but it is definitely worth getting the basics down before we get into the real meat of holiday buy-to-let mortgage loans! A holiday let mortgage is a mortgage that allows you to rent out a...
Mortgage Approval Rate Jumped Up In March
Data released recently by the Bank of England has shown that mortgage approval rate in the UK has jumped significantly in the period from March to April 2023. A good sign that stability will return to the property market, if it hasn't already. The Bank of England, the...
Over Half of Landlords Increased Rent This Year
Landlords have it easy, right? Buy a house, rent it out to someone, collect the money and sit back on your golden throne. Well that simply isn't true at all. And for 99% of people with rental properties, keeping a profitable rental property has become extremely...
Mortgage Rate Rises Arrive Before Next BoE Meeting
The Bank of England's next monetary policy committee meeting is scheduled to take place on the 11th of May however, it seems that lots of lenders are already jumping the gun and introducing mortgage rate rises across their product offerings. Some lenders are also...
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