Portsmouth contractors — naval defence, marine and aerospace.
Portsmouth is the home of the Royal Navy and a major defence, marine and aerospace-engineering hub, with a growing tech and cyber sector alongside. Its contractors — defence engineers, marine specialists and IT professionals, often security-cleared — need lenders that read a day rate, not three years of accounts. As a whole-of-market, FCA-authorised brokerage, we place Portsmouth and South Coast contractors.
Why Portsmouth contractors need a specialist
Portsmouth's defence, marine and aerospace employers create a strong day-rate contractor base, some on rotational or offshore patterns. Specialist lenders assess the current contract rather than years of accounts — the route that suits the city's engineers and IT contractors.
Sectors we see most in Portsmouth
Naval and defence engineering contractors, marine and aerospace specialists, and software, data and cyber 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 Portsmouth 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 Coast contractors with — a selection
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
Contractor Mortgages in Portsmouth, answered
Can I get a mortgage as a contractor in Portsmouth?+
Yes. Specialist lenders assess your day rate and current contract rather than years of accounts, whether you're in defence, marine or tech.
Do you help defence and marine 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 Coast?+
Yes, we cover Portsmouth, Gosport, Fareham, Southampton and the wider Hampshire coast, advising remotely.
Do I need to meet in person?+
No. We advise Portsmouth contractors by phone, video and email, around contract hours.