Mortgages for Contractors UK

Are you interested in getting a mortgage as a contractor?
Speak to a contractor mortgage specialist now

If you’re looking for a sub contractor mortgage, IT contractor mortgage or, a day rate contractor mortgage, we can Help You find your next mortgage deal

As a contractor with a less than straightforward income, you may be asking yourself ‘Can I get a mortgage as a contractor?’ Or is there even such a thing as a ‘contractor friendly mortgage?’ The answer is: yes. No matter what line of work you’re in, we offer specialised contractor mortgage advice to help you secure the the right mortgage available for your circumstances.

Mortgages for Contractors
Mortgages for Contractors

Finding you the best contractor mortgages available

Being an independent contractor is different to being a regular PAYE employee. There are lots of quirks and niche elements to your contractor’s income that can have an impact on any potential contractor mortgage. Daily rate, contract length and terms and conditions of the contract are all elements that need to be taken into account when looking for mortgages for contractors.

Some lenders who offer mortgages for independent contractors will class you as a self-employed professional rather than employed. And they’ll consider your application based on your profit for the financial year rather than the gross value of the contract that you’re working. This can significantly affect your mortgage borrowing potential if you use an inexperienced contractor mortgage broker. When helping you to find your mortgage, we take all of this into account to ensure you secure the best terms possible.


At Oportfolio, we love inspiring people and helping you to achieve your dreams - buying your own home, making the most of your existing finances, or investing in other properties.

We can help you find the right mortgage because our standing in the London market allows us to get access to the most competitive rates from a multitude of lenders.

To find out more, we invite you to download our latest brochure.

Oportfolio Brochure
Oportfolio Mortgage Advisors

Working with mortgage brokers for contractors

We like to think, and our clients agree, that we’re the best mortgage broker for contractors in the UK. At Oportfolio, we have decades of experience with unique income and employment types. We know the subtle differences between a contractor daily rate mortgage and a CIS contractor mortgage, which your bank or most brokers wouldn’t even consider. And this allows us to find you the best mortgage lender and deal for your own circumstances. Then we work quickly to secure your mortgage for you in a timely and smooth manner.

We strive for the highest standards of client care and are committed to offering tailored mortgage, insurance and personal protection policies that match the unique aspirations of every single client.

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