Bristol's contractors — aerospace, engineering and creative.
Bristol and the South West blend aerospace and defence around Filton, a strong engineering and tech base, and a large creative, media and digital freelance community. Its contractors range from chartered engineers on high day rates to freelance designers and developers — all needing lenders that read a contract rather than three years of accounts. As a whole-of-market, FCA-authorised brokerage, we place Bristol contractors and freelancers.
Why Bristol contractors need a specialist
Bristol's mix of aerospace, engineering, tech and creative work means many professionals contract or freelance rather than take permanent roles. High-street lenders still ask for years of accounts; specialist lenders assess the current contract or day rate, opening the door for Bristol's independent workforce.
Sectors we see most in Bristol
Aerospace and defence contractors around Filton and the wider region, engineering and tech contractors across the city, and creative, media and digital freelancers in the centre and Stokes Croft. See IT contractors and sole traders.
Freelancers and day-rate professionals
Freelance and sole-trader income is assessed on net profit; day-rate contractors on their annualised rate. We use whichever route borrows more — see sole traders and high day-rate contractors.
We work with Bristol contractors remotely
No office visit needed — we advise by phone, video and email around your work. See the areas we cover.
Lenders we place Bristol contractors with — a selection
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
Contractor Mortgages in Bristol, answered
Can I get a mortgage as a contractor in Bristol?+
Yes. Specialist lenders assess your day rate or net profit rather than years of accounts, whether you're in aerospace, engineering, tech or the creative sector.
I'm a freelancer in Bristol — how am I assessed?+
Freelancers and sole traders are usually assessed on net profit from self-assessment, often over one or two years; day-rate contractors on their annualised rate.
Do you cover Filton, Bath and the wider South West?+
Yes, we cover Bristol, Bath and the South West, advising remotely.
How much can I borrow?+
Typically 4.5–5× annualised day rate for contractors, or a multiple of net profit for freelancers, before deposit and affordability checks.
Do I need to meet in person?+
No. We advise Bristol contractors and freelancers by phone, video and email.