Edinburgh contractors — finance, fintech and a booming tech scene.
Edinburgh is the UK's second-largest financial centre and a serious fintech and technology hub, from asset management on Lothian Road to startups around the university. Its contractors — in finance, software and data — need lenders that read a day rate, and advice that understands buying a home in Scotland. As a whole-of-market, FCA-authorised brokerage, we place Edinburgh contractors and handle the Scottish process.
Why Edinburgh contractors need a specialist
Edinburgh's finance and tech employers create a large day-rate contractor base, often outside IR35 through their own company. Specialist lenders assess the contract rather than years of accounts — and we handle Scotland's distinct buying process, where you offer through a solicitor and prices are often "offers over".
Buying a home in Scotland
Scotland differs from England: you buy via missives through a solicitor, and pay Land and Buildings Transaction Tax (LBTT) rather than stamp duty. We guide contractors through it and match the lending to it.
Sectors we see most in Edinburgh
Finance, asset-management and insurance contractors, fintech and software developers, and data and analytics specialists. See IT contractors and limited company directors.
We work with Edinburgh contractors remotely
No office visit needed — we advise by phone, video and email around your contract. See the areas we cover.
Lenders we place Edinburgh contractors with — a selection
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
Contractor Mortgages in Edinburgh, answered
Can I get a mortgage as a contractor in Edinburgh?+
Yes. Specialist lenders assess your day rate and current contract rather than years of accounts, whether you're in finance or tech.
Is buying a home in Scotland different?+
Yes. You offer through a solicitor via missives and pay LBTT instead of stamp duty. We guide contractors through the Scottish process.
How much can I borrow given Edinburgh prices?+
Usually 4.5–5× your annualised day rate, and more with multiple-stretching lenders — useful given Edinburgh's higher prices.
Do you cover the Lothians and Fife?+
Yes, we cover Edinburgh and the surrounding area, advising remotely.
Do I need to meet in person?+
No. We advise Edinburgh contractors by phone, video and email, around contract hours.