Contractor mortgages, explained properly.
Clear, current guides to the parts of contractor lending that trip people up — written by advisers who place these cases every week.
Debt consolidation remortgage: is it worth it?
How a debt consolidation remortgage works, when it makes sense, and the real risks of moving unsecured debt onto your home. An honest guide for UK borrowers.
Read → RemortgageFixed or tracker rate when you remortgage?
Choosing a fixed or tracker rate at remortgage: how each works, what drives the cost, and how to decide based on your circumstances and appetite for risk.
Read → RemortgageHow much can you remortgage for?
How much you can remortgage for depends on your equity, the lender's loan-to-value cap and affordability. How each works, and how to borrow more.
Read → RemortgageHow to remortgage: a step-by-step guide
How to remortgage in the UK, step by step — when to start, what a broker does, the documents you need, and how contractors get assessed on their real income.
Read → RemortgageProduct transfer vs remortgage: which is right for you?
Product transfer vs remortgage compared: speed, cost, choice and affordability checks. Which suits contractors, and when switching lender is worth the extra work.
Read → RemortgageRemortgage costs and fees explained
The real cost of remortgaging: valuation, legal, product and broker fees, plus exit and early repayment charges — and how fee-free deals cover most of them.
Read → RemortgageRemortgaging for home improvements
How to remortgage to fund home improvements: how much you can borrow, how lenders treat renovation, and whether it beats a further advance or a loan.
Read → RemortgageRemortgaging to release equity
How remortgaging to release equity works in the UK: how much you can take out, what lenders accept it for, the LTV limits, and how contractors are assessed.
Read → RemortgageRemortgage vs further advance: how to borrow more
Remortgage vs further advance: borrowing more from your current lender or moving to a new one. Costs, rates, speed and which suits contractors raising money.
Read → RemortgageRemortgaging after going limited
Remortgaging after switching to a limited company: how lenders assess directors on salary, dividends and retained profit, and why the right lender lends far more.
Read → RemortgageRemortgaging with bad credit
Can you remortgage with bad credit? How lenders treat missed payments, defaults and CCJs, what improves your chances, and how contractors still switch.
Read → RemortgageRemortgaging between contracts
Remortgaging between contracts or with a gap in work? How lenders assess contractors mid-term, what evidence strengthens your case, and how to time your switch.
Read → RemortgageRemortgaging on CIS, umbrella or inside-IR35 income
How to remortgage if you're paid through CIS, an umbrella company or inside IR35: how lenders read gross income in each case, and how to avoid being underassessed.
Read → RemortgageRemortgaging an interest-only mortgage
Remortgaging an interest-only mortgage: options at the end of the term, switching to repayment, repayment vehicles, and what contractors should know.
Read → RemortgageRemortgaging with one year of accounts
Can you remortgage with one year of accounts? How lenders assess newly self-employed borrowers and contractors on a single year, a contract, or experience.
Read → RemortgageRemortgaging as a self-employed contractor
How to remortgage as a self-employed contractor: why your current lender shrinks your income, how the right lender reads your day rate, and how to switch well.
Read → RemortgageWhat happens when your fixed-rate mortgage ends?
When your fixed-rate mortgage ends you roll onto the lender's SVR. What that means, what to do, and how to switch before the standard variable rate costs you.
Read → RemortgageWhen should you remortgage?
When to remortgage in the UK: start three to six months before your deal ends, avoid early repayment charges, and time completion so you never touch the SVR.
Read → RatesCan a contractor lock in a mortgage rate early?
Can you lock a mortgage rate before you complete? How rate locks work for contractors, how long they last, and what happens if rates move. A plain guide.
Read → UnderwritingHow contractor income is calculated: the 46-week rule
The exact formula specialist lenders use to turn your day rate into an annual income — and why they cap the year at 46 weeks.
Read → UnderwritingWhat is contract-based underwriting?
How lenders assess your current contract instead of years of accounts — the foundation of contractor lending.
Read → DirectorsRetained profit mortgages, explained
How a select group of lenders let directors borrow against company profit, not just the salary and dividends on an SA302.
Read → DirectorsOffset mortgages for limited company directors
Link the cash you hold for tax to your mortgage and cut interest, without locking it away.
Read → Proving incomeCan you get a mortgage without an SA302?
Why the SA302 understates contractors and directors — and the documents lenders accept instead.
Read → TaxonomyUmbrella vs limited company: which gets the bigger mortgage?
How each structure is assessed, and which tends to support more borrowing.
Read → AffordabilityHow much can I borrow on a £500 day rate?
Worked figures from £300 to £700 a day, plus a live calculator.
Read → CISCIS income gross-up explained
How gross posted income — before the 20% deduction — supports a bigger mortgage.
Read → Off-payrollInside IR35 mortgages: how your borrowing changes
Off-payroll status changes your tax, not your eligibility. How lenders assess inside-IR35 and umbrella income.
Read → New contractorsGetting a mortgage with one year of accounts
You don’t always need two or three years of history. Which lenders accept a single year — or a day-one contract.
Read → HistorySelf-cert mortgages: why they’re banned
What replaced self-certification, and how contractors prove real income today.
Read → Buy-to-letThe buy-to-let stress test explained
ICR 125% vs 145%, the stress rate, and the maximum loan your rent supports.
Read → TaxStamp duty for contractors
The 2026 bands, first-time buyer relief and the buy-to-let surcharge.
Read → Choosing an adviserWhat does ‘whole of market’ mean?
Tied vs panel vs whole-of-market — and why breadth matters for contractors.
Read → ProcessThe Agreement in Principle, explained
Why to get an AIP first, how long it lasts, and the effect on your credit.
Read → DirectorsRelevant life vs personal life cover
Which is more tax-efficient for a company director — and when.
Read → ProcessContractor mortgage documents checklist
Exactly what to gather before you apply, by contractor type, so your application moves without delays.
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