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Rubikdigital
Contractor Mortgage Broker

Contractor Mortgage Options.

We'll help you find the best contractor mortgage. We understand lenders' criteria and will find the deals you qualify for from across the market.

First Time Buyer

First Time Buyer

Are you ready to buy your first home? Our team will help find you the perfect mortgage deal.

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Remortgage

Remortgage

Are you coming to the end of your fixed term mortgage? Let us get the deal you need quickly and easily.

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Self Employed Mortgage

Self Employed Mortgage

The secret to securing a mortgage is getting advice from experts who thoroughly understands it.

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Buy to Let

Buy to Let

Let us secure you a mortgage that enables you to make a healthy profit month-on-month.

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Moving Home

Moving Home

Moving home? Our experts will provide you with your options that are available to you.

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Help to Buy

Help to Buy

Help to Buy is a government scheme designed to give first-time buyers a helping hand.

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Second Mortgage

Second Mortgage

Our specialists will ensure that you get the right mortgage for your requirements.

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Mortgage Types

Mortgage Types

There are many options when it comes to contractor mortgages, let us guide you.

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5 Star Mortgage Broker

Our contractor mortgage client always recieve expert advice and a seamlessfast and efficient service.

Why choose us

Make Contractor Mortgages Direct as your first choice, we are true Contractor Mortgages Specialists when it comes to arranging your mortgage, Fee Free Advice!

 Expert Mortgage Advice

Expert Mortgage Advice

Free Specialist advice from an expert mortgage broker.

Tailored Mortgage

Tailored Mortgage

Our experts will present your case to the right lender to ensure success first time.

Gross Contract Value

Gross Contract Value

We will not require your accounts, just your contract to get your application agreed

Reach Your Objective

Reach Your Objective

Let us help you reach your objective with honest, impartial, independent and to the point advice

More Options

More Options

Expand your available mortgage options with a Contractor Specialist Mortgage Broker.

Maximise Mortgage

Maximise Mortgage

Borrow up to 5x your annualised rate to max borrow, tailored advice to help you reach your objective.

Mortgage News

Stay in the Loop

All the latest industry news and insight on Contractor Mortgages, make sure to stay up to date with everything mortgage-related.
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First-Time buyers: The challenges and Solutions in the Current Climate

First-time buyers have to cope with a tightening in mortgage criteria, combined with high house prices and increased competition from other buyers.

Read Story

FAQ

Being experts in our field we have complied some of our most frequently asked questions around contractor mortgages.

The simple answer is No, you dоn’t. At Contractor Mortgages Direct, lenders have agreed to work with us to assess you based рurеlу on your daily соntrасt rate. Whісh mеаnѕ thаt уоu do not have tо рrоvе уоu hаvе bееn wоrkіng as a соntrасtоr fоr уеаrѕ, the lender definitely does not want to see your trading accounts, you do not even need 1 years figures, just the good old contract.

The application process dереndѕ on thе nature оf thе application. However, аn еѕtіmаtеd tіmе frаmе mау bе рrоvіdеd аѕ 7-10 working dауѕ.

Thе оnlу еlіgіbіlіtу fоr you securing a соntrасtоr mоrtgаgе іѕ that уоu ѕhоuld bе a соntrасtоr. It dоеѕn’t mаttеr іf уоu have been contracting for a long time or just started, in many cases we can help a contractor from day 1.

We can obtain a decision in principle for you, we can in most cases obtain this the same day, but may require 24 hours dependent upon our workload, we will tell you at the time with exact time scales.

The lender will typically like to see 4 weeks remaining on your contract, if shorter than this they would like to know if you have an extension or another contract to move onto, they will require evidence of this.

The average time to go from application to securing a formal mortgage offer is 2 weeks, in many cases it can be quicker. Your adviser at Contractor Mortgages Direct will be best placed to give you the timeframe at the beginning of your application.

The short answer is No the interest rate does not vary if you are a contractor, same great products as if you were employed as a full time employee, same terms and conditions, only difference is an experienced mortgage broker that specialises with contractor mortgages, and is very fluent in presenting this to the lender.

Because we specialise in contractor mortgages and 99% of our core business is placing contractors with lenders, we are well versed and experienced in ensuring that we get it right first time, ensuring that your credit rating is not affected by multiple applications.

Still have unanswered questions? Get in touch

Contractor Friendly Lenders

COVID-19 update:

We're open and ready to provide mortgage advice!

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