Bath contractors — tech and creative, premium postcodes.
Bath pairs a growing technology and creative sector — many working with Bristol and London clients — with some of the highest property prices in the South West. Its contractors and freelancers, from developers to consultants, need lenders that read a day rate or net profit and stretch borrowing against premium prices. As a whole-of-market, FCA-authorised brokerage, we place Bath and North East Somerset contractors.
Why Bath contractors need a specialist
Bath's tech and creative economy is freelance-heavy, and its high property prices mean borrowing must stretch. Specialist lenders assess the contract or net profit — and stretch multiples for strong income — rather than demanding years of accounts, which suits Bath's independent professionals.
Sectors we see most in Bath
Software and digital contractors, creative, design and media freelancers, and management and professional-services consultants. See IT contractors and sole traders.
High prices, larger loans
Bath's premium prices push many contractors into larger borrowing — see high day-rate contractors. Freelancers with one year's figures aren't ruled out — see one year's accounts.
We work with Bath contractors remotely
No office visit needed — we advise by phone, video and email around your work. See the areas we cover.
Lenders we place Bath contractors with — a selection
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
Contractor Mortgages in Bath, answered
Can I get a mortgage as a contractor in Bath?+
Yes. Specialist lenders assess your day rate or net profit rather than years of accounts, whether you're in tech, design or consultancy.
How much can I borrow given Bath's prices?+
Usually 4.5–5× your annualised day rate or a multiple of net profit, and more with multiple-stretching lenders given the premium prices.
I've only one year of self-employed accounts — any options?+
Often yes. Several lenders accept one year's figures, and contractors can use a day rate instead.
Do you cover the wider Bath and Somerset area?+
Yes, we cover Bath, Bristol, Trowbridge and the wider region, advising remotely.
Do I need to meet in person?+
No. We advise Bath contractors by phone, video and email, around your hours.