London contractors, from the City to Canary Wharf.
London has the highest concentration of day-rate contractors in the UK — banking and fintech in the City and Canary Wharf, consultancies across the West End, and tech from Shoreditch to King's Cross. With property prices to match, contractors here need lenders who read a high day rate correctly and stretch borrowing on strong professional income. As a whole-of-market, FCA-authorised brokerage, we place London contractors — including high earners and foreign nationals.
Why London contractors need a specialist
London day rates are among the highest in the country, but average property prices mean larger loans — where flat income multiples hurt most. Lenders that annualise your day rate and stretch multiples for strong profiles can make the difference between a City flat and a decline. Many London contractors are also foreign nationals, which needs the right lender.
Sectors we see most in London
Investment banking and fintech contractors around the City and Canary Wharf, management consultants across central London, and IT and digital contractors in the tech clusters. See IT contractors, high day-rate contractors and foreign national contractors.
Large loans and high day rates
London's prices push many contractors into larger borrowing, where private banks and multiple-stretching lenders matter — see high day-rate contractors. First-time buyers may also use low-deposit schemes and shared ownership.
We work with London contractors remotely
You don't need to visit an office — we advise London contractors by phone, video and email, fitting around contract hours. See the areas we cover.
Lenders we place London contractors with — a selection
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
Contractor Mortgages in London, answered
Can I get a mortgage as a contractor in London?+
Yes. Specialist lenders assess your day rate rather than years of accounts, and several stretch borrowing for the high, stable incomes common among London contractors.
How much can I borrow on a high London day rate?+
Often 4.5–5× your annualised day rate, and more with lenders that stretch multiples or via private banks — important given London property prices.
Do you help foreign national contractors in London?+
Yes. Many London contractors are visa-holders; we match Skilled Worker and other visa holders to lenders that accept them.
Do I need to meet you in London?+
No. We advise London contractors remotely by phone, video and email, around your contract hours.
Can first-time buyers in London use contractor lending?+
Yes, and we can combine it with low-deposit schemes or shared ownership where the deposit is the constraint.