Plymouth contractors — naval defence and marine engineering.
Plymouth is home to Devonport — Western Europe's largest naval base — and a deep marine-engineering, defence and shipbuilding base, with a growing marine-tech and science scene. Its contractors, many security-cleared engineers and technical specialists, need lenders that read a day rate, not three years of accounts. As a whole-of-market, FCA-authorised brokerage, we place Plymouth and South West contractors.
Why Plymouth contractors need a specialist
Plymouth's naval-defence and marine-engineering employers rely on day-rate technical contractors, some on rotational or offshore patterns. Specialist lenders assess the current contract rather than years of accounts — the route tailored to the city's defence and marine contractors.
Sectors we see most in Plymouth
Naval and marine-engineering contractors around Devonport, defence and systems specialists, and marine-tech and science professionals. See IT contractors and oil, gas & offshore contractors.
Offshore and rotational income
Marine and offshore contractors may work rotations or be paid partly in other currencies — assessed the specialist way; see expat mortgages where relevant. First-time buyers welcome — see first-time buyer.
We work with Plymouth contractors remotely
No office visit needed — we advise by phone, video and email around your contract. See the areas we cover.
Lenders we place South West contractors with — a selection
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
Contractor Mortgages in Plymouth, answered
Can I get a mortgage as a defence contractor in Plymouth?+
Yes. Specialist lenders assess your day rate and current contract rather than years of accounts, ideal for Devonport and marine-engineering contractors.
Do you help marine and offshore contractors?+
Yes, including those on rotational or offshore patterns, with foreign-currency income assessed where relevant.
How is my income worked out?+
Your day rate is annualised (typically over 46 weeks) and lent on at around 4.5×, before deposit and affordability checks.
Do you cover the wider South West?+
Yes, we cover Plymouth, Exeter, Torbay and the wider region, advising remotely.
Do I need to meet in person?+
No. We advise Plymouth contractors by phone, video and email, around contract hours.