We often get queries from introducers wanting us to help their clients arrange complex or difficult mortgages.
Mortgage Guides and problem solving
Intermediary – Mortgage Guides and problem solving.
“Intermediaries face complex mortgage cases daily.”
These guides provide fast, clear answers and practical solutions.
- Understand criteria for unusual income, poor credit, or specialist property types.
- Learn how to package cases to improve lender engagement.
- Explore options across residential, BTL, bridging, and semi-commercial finance.
- Promise Money gives brokers the support and tools to succeed with challenging enquiries.
Getting a mortgage or remortgage with poor credit or debt problems
8th Jun 2012
Help with difficult loan applications
Have a look at this – it may spark some ideas.
6th Jul 2012
Unsecured loans | lowest rates for people with bad credit or arrears
Where else can a tenant or a homeowner with no equity, with adverse credit raise up to £100K at rates around 10%?
20th Jul 2012
Up to £100,000 unsecured loans for purchase deposit
benefit from up to a £100,000 unsecured loan to use as a deposit
26th Aug 2012
Equity release mortgages
It seems many avoid equity release mortgages as they are considered low income and high hassle.
26th Sep 2012
New unsecured loan up to £10,000
Promise brokers now have access to unsecured loans from Everyday Loans.
5th Nov 2012
Broker discount savings card
If I had seen this before I booked my family holiday I would have saved £283.
12th Nov 2012
Release cash from pensions for business loans
Do you have clients who own Limited companies and wish to raise capital?
19th Nov 2012
Guarantor Loans
Guarantor loans now available
9th Jan 2013
Difficult loans or finance applications
Secured loan brokers constantly preach how a loan can provide a solution when a remortgage is declined.
14th Jan 2013
Non Status Business Loans
Are you unable to raise finance for your business?
22nd Feb 2013
The lowest loan interest rate for at least 6 years
To start the year I am pleased to tell you we have a major product change
26th Feb 2013
A new loan for borrowers in Scotland
Masthaven Secured Loans have extended their lending into Scotland today.
22nd Mar 2013
Helping your clients consolidate expensive short term credit
more people than ever will be thinking about debt consolidation
5th Apr 2013
New BTL loans with low costs, low ERC’s & low affordability thresholds
The interest rate is 9.95% which is generally 1% lower than any other current products.
19th Apr 2013
Debt consolidation loan experts
Promise can offer loans which allow you to consolidate your debts whilst raising extra cash for other purposes.
28th May 2013
Adverse Credit Mortgages – Owner Occupied/Purchase/Remortgage etc.
We have some new products available through our complex mortgage team which may interest you.
1st Jul 2013
BTL Adverse Credit Mortgages- Purchase/Remortgage/Capital Raising
We have further products available through our complex mortgage team which may interest you.
29th Jul 2013
New secured loan accepts buy to let
We are now up to 16 secured lenders – That’s double what you get on other sourcing systems
13th Nov 2013
Norton simplify loans for debt consolidation
Norton has changed the way they treat Debt Management and IVA plans
5th Jan 2015
A new option for self-employed borrowers
HMRC are currently being swamped by requests from self-employed individuals for SA302s to support mortgage applications.
12th Jan 2015
Unsecured arrears now ignored by Prestige
Unsecured arrears will now be ignored unless they are defaulted on all of Prestige’s Near-Prime second charge plans
22nd Jan 2015
Overview of BTL secured loans
I predict that this year is going to see a massive increase in BTL secured loans
2nd Feb 2015
New 90% LTV BTL Second Charge
Another useful product has hit the market which may prove useful to assist your clients in raising cash
12th Mar 2015
BTL second charge loans reduced to 5.79%
If you deal with BTL landlords this could be a product you have been waiting for.
21st May 2015
BTL second charges – missed opportunity?
The rise of buy-to-let continues apace, despite a challenging few weeks for the sector.
18th Aug 2015
Fantastic New BTL mortgage – the most flexible yet
Another brilliant new product has come out today
7th Jan 2016
Lender cuts residential mortgage rates
The cost of arranging complex mortgages has just dropped by up to 2.9%.
18th Jan 2016
Beating the Stamp Duty Tax Changes
The bigger picture
4th Apr 2016
Are you avoiding clients with adverse credit?
How many of your clients have adverse credit? If you’re a mortgage broker I’d wager a bet that very few do. Ask any master broker that serves the broker market and they’ll tell you adverse clients are few and far
23rd Aug 2016
New “Bridge to Term” for BTL and HMO refurb’s
If you have clients who buy and renovate BTL’s and HMO’s this new product should be very helpful.
26th Sep 2016
New 10 Year Fixed Rate BTL mortgage product
Are your clients looking for longer term BTL mortgages?
15th Nov 2016
BTL – Apply before the rules change
New PRA rules regarding affordability on BTL loans are set to come in at the start of 2017.
23rd Nov 2016
BTL flexibility won’t be around forever
The buy to let second charge sector has thrived in recent years, largely because of the great flexibility it enjoys.
7th Dec 2016
New Criteria Improves Mortgage Affordability
This morning I am bringing you news of some updated mortgage criteria from one of our lenders that goes live today.
23rd Jan 2017
BTL – Rental cover at 115%
One of our lenders has announced some criteria changes with immediate effect.
27th Jan 2017
Tax Changes for Landlords – Beware of the Traps
I don’t know if you have got to grips with the tax issues on investment properties yet?
8th Feb 2017
Your landlord clients – get complimentary tax advice
Following my article last week here is a free service which may help reduce your risk and offer an additional benefit to your clients.
13th Feb 2017
Are you finding BTL and HMO mortgages harder to place
Are you finding BTL and HMO mortgages harder to place – often due to tighter affordability criteria?
16th Feb 2017
Directly Authorised Brokers
There are pros and cons to just about everything in life.
13th Jun 2017
The problems with BTL’s
If your clients personally own BTL properties, life is going to get more difficult due to imminent rule changes.
4th Aug 2017
Did you know properties without a bathroom/kitchen are still mortgageable?
Do you have clients who have run out of cash when doing a major refurbishment?
17th Aug 2017
PRA? Don’t turn BTL business away
If you are wondering how you will deal with portfolio BTL’s after September, Promise can provide you with the information
20th Sep 2017
PRA- What the future holds
With the arrival of the PRA rules on portfolio buy to lets more brokers are going to outsource the work to specialist packagers.
2nd Oct 2017
Buy To Let – More options
Just a reminder how I can help you with your BTL capital raising problems.
9th Nov 2017
It’s a mortgage Jim but not as we know it
Here we are at the end of another year and while there are plenty of positives we can pick out from
22nd Nov 2017
Recruitment Crisis: Turning the corner on recruitment
Over the last few years the term “recruitment crisis” has been as prevalent as “regulation” and “another new housing minister”.
5th Jan 2018
New low rates – flats above commercial, BTL, prime or adverse
Take a look at this new range of products which combines to give you some really great options.
8th Mar 2018
Just announced – BTL’s – no consent
We just want to tell you about this new second charge product which has come out today.
5th Apr 2018
More options for complex mortgages
We just want to remind you how we can help place your complex or poor credit mortgages
18th Apr 2018
Complex mortgages – a common sense lender
I want to let you know about an exciting new First Mortgage lender recently added to our panel.
1st May 2018
Buy to let update
BTL funding seems to be on the increase again – quite a lot of home improvements to increase the rental yield.
2nd May 2018
BTL loans post PRA
We are having a bit of a push on Buy to Let loans as we are seeing increasing success from this sector.
22nd May 2018
Complex BTL
Can we help you out with any BTL cases you are struggling with?
19th Jul 2018
Placing unusual cases
To help you spot those quirky second charge opportunities here are a few recent scenarios which might help you.
1st Aug 2018
Mortgage for DMP cases
Do you have clients in an active Debt Management Plan?
2nd Aug 2018
Help to Buy with adverse credit
We have this brilliant new help to buy mortgage product which is available from today.
4th Oct 2018
Specialist mortgage rates reduced
Reduced rates for those quirky / complex purchases and remortgages – see below.
15th Oct 2018
New mortgage lender
We have a new and very “nichey” mortgage lender for you.
2nd Nov 2018
Limited near prime mortgage – free valuations and no product fees
New Limited near prime mortgage – free valuations and no product fees. Have you seen the latest from Pepper?
23rd Oct 2019
Landlord property investor loan video
Commercial Lenders all have different criteria. This guide could help you find out what you qualify for.
24th Mar 2021
Electrical safety standards Intermediaries
Make sure you are up to date with all the latest electrical safety standards.
1st Apr 2021
Bridge to Let mortgage Intermediaries
In complex scenarios it’s important to consider a refurbish to let mortgage
1st Apr 2021
Poor credit Buy to Let loans up to 80% LTV
Getting a Buy to Let loan up to 80% LTV with poor credit
4th Aug 2021
Help to Buy – Previously Owned Properties
Learn more about help to buy on previously owned properties
19th Nov 2021
New BTL Loan
This may be the most flexible low interest secured loan ever
18th Feb 2022
Buy to Let Loan for Landlords
Could this BTL product help you?
6th Jul 2022
Can I get a contractor mortgage with no trading history?
Wondering if you can get a contractor mortgage with no trading history? Learn how specialist UK lenders use day rate calculations to help contractors buy homes.
13th Feb 2026
Can contractors with bad credit get a mortgage?
Contractors with bad credit may find it harder to secure a mortgage, but specialist lenders offer options. Learn how to improve your chances and find a deal.
13th Feb 2026
Can contractors get a mortgage with only six months’ history?
Finding a mortgage as a contractor with only six months of history is possible with specialist lenders. Learn about requirements, day rates, and key risks here.
13th Feb 2026
Can I get a mortgage if I recently switched from permanent to contracting?
Can you get a mortgage if you recently switched from permanent to contracting? Learn how UK lenders assess contractor income and what you need to apply today.
13th Feb 2026
Can contractors in the UK buy a house abroad?
UK contractors can buy property abroad using international mortgages or bridging loans. Learn about lender criteria, tax implications, and risks in our guide.
13th Feb 2026
Can foreign contractors get UK mortgages?
Can foreign contractors get UK mortgages? Discover the essential requirements for visas, income, and deposits for non-UK citizens contracting in Great Britain.
13th Feb 2026
Can newly self-employed contractors get a mortgage?
Newly self-employed contractors can get a mortgage in the UK. Discover how specialist lenders assess your income and what you need to improve your application.
13th Feb 2026
Can I switch lenders after my fixed term ends?
Find out how you can switch lenders after your fixed term ends. Compare the benefits of remortgaging and learn how to secure a new deal for your UK property.
13th Feb 2026
Are contractor remortgages easier to get?
Wondering are contractor remortgages easier to get? Learn how lenders assess income, the documents you need, and how to improve your chances of mortgage success
13th Feb 2026
Do contractors pay extra when remortgaging?
Do contractors pay extra when remortgaging? Learn how UK lenders assess income and whether you will face higher rates or fees compared to full-time employees.
13th Feb 2026
Can contractors remortgage for a better deal?
Learn if contractors can remortgage for a better deal in the UK. We explain income assessment, specialist lenders, and steps to secure more competitive rates.
13th Feb 2026
What happens if I lose my contract after getting a mortgage?
Losing your job or contract after securing a mortgage is stressful. Learn what happens, your obligations to the lender, and how to protect your home today.
13th Feb 2026
Can I remortgage if I’m now a contractor?
Remortgaging as a contractor in the UK is possible, though lenders assess income differently. Learn how day rates, contract history, and specialist lenders help
13th Feb 2026
Are remortgage rates higher for contractors?
Learn if remortgage rates are higher for contractors in the UK. Discover how income is assessed, the impact of day rates, and how to secure a competitive deal.
13th Feb 2026
What questions do mortgage lenders ask contractors?
Mortgage lenders ask contractors specific questions about daily rates, contract length, and income history. Learn how to prepare for your application here.
13th Feb 2026
How do lenders calculate contractor income for a mortgage?
Learn how lenders calculate contractor income for a mortgage. We explore day rate calculations, salary and dividend methods, and essential criteria for UK contr
13th Feb 2026
Do mortgage lenders accept contractors?
Do mortgage lenders accept contractors? Learn how UK lenders assess contract income, the criteria you must meet, and how to improve your mortgage chances today.
13th Feb 2026
What is the minimum contract length for a mortgage?
Discover what is the minimum contract length for a mortgage in the UK. Learn about short-term options, bridging loans, and how term lengths affect your costs.
13th Feb 2026
Are there specialist mortgages for IT contractors?
Discover how IT contractors in the UK can access specialist mortgages based on day rates. Learn about eligibility criteria, lender types, and potential risks.
13th Feb 2026
Is there a different process for contractors?
Discover how lenders assess income and whether is there a different process for contractors seeking finance in the UK. Learn about day rates and documents.
13th Feb 2026
How do lenders treat multiple short-term contracts?
Lenders view multiple short-term contracts as complex. Learn how UK mortgage providers assess your income stability, work history, and gaps between roles.
13th Feb 2026
Can umbrella company contractors get a mortgage?
Yes, umbrella company contractors can get a mortgage in the UK. Learn how lenders assess income, required documents, and tips to improve your application odds.
13th Feb 2026
How do breaks between contracts affect my mortgage application?
Learn how breaks between contracts affect your mortgage application in the UK. Discover lender criteria for contractor gaps and how to improve your chances.
13th Feb 2026
Are there special remortgage deals for contractors?
Discover how contractors can access tailored remortgage deals in the UK. Learn about day-rate assessments, IR35 impacts, and how to improve your approval chance
13th Feb 2026
Are contractors eligible for the First Homes scheme?
Contractors in England may be eligible for the First Homes scheme. Discover the income requirements, local criteria, and mortgage options for contract workers.
13th Feb 2026
Is the Shared Ownership scheme available to contractors?
Learn if the Shared Ownership scheme is available to contractors in the UK. Discover eligibility criteria, mortgage options, and how to apply for a home today.
13th Feb 2026
Do contractors qualify for a mortgage under the Help to Buy ISA?
Contractors can qualify for a mortgage using a Help to Buy ISA, provided they meet lender criteria. Learn about eligibility, evidence of income, and deposit rul
13th Feb 2026
Can contractors use government mortgage schemes?
UK contractors can access government mortgage schemes like Shared Ownership or First Homes. Learn how lenders assess contractor income and what schemes apply.
13th Feb 2026
What documents are needed for remortgaging as a contractor?
Learn what documents are needed for remortgaging as a contractor in the UK. Our guide covers contract history, tax records, and bank statements for your applica
13th Feb 2026
How does the Lifetime ISA help contractors save for a mortgage?
Learn how the Lifetime ISA helps contractors save for a mortgage with a 25% government bonus. Discover eligibility rules, property limits, and tax benefits.
13th Feb 2026
Can contractors get a 95% mortgage under government schemes?
Contractors can access 95% mortgages via UK government schemes. Learn about eligibility, income assessment for day-rate workers, and how to improve your chances
13th Feb 2026
Do lenders treat contractors differently in government-backed mortgages?
Learn how lenders assess contractors for government-backed mortgages. Understand criteria for Shared Ownership and the Mortgage Guarantee Scheme as a contractor
13th Feb 2026
Do PAYE contractors have an easier time getting a mortgage?
Discover whether PAYE contractors find it easier to secure a mortgage. We explore how lenders view umbrella company income compared to self-employment rules.
13th Feb 2026
How often should contractors remortgage?
Discover how often should contractors remortgage to secure the best rates. Learn about timing, income verification, and how to prepare for your next UK deal.
13th Feb 2026
What if I’m a first-time buyer and a contractor?
Securing a mortgage as a first-time buyer and contractor is possible with the right preparation. Learn about lender requirements, deposits, and documentation.
13th Feb 2026
Are fixed or variable rates better for contractors?
Deciding whether fixed or variable rates are better for contractors depends on financial goals and risk tolerance. Explore the benefits and risks of each mortga
13th Feb 2026
What is the typical deposit needed for contractors?
Discover what is the typical deposit needed for contractors in the UK. Learn how mortgage lenders assess self-employed income and ways to secure a lower rate.
13th Feb 2026
How do I apply for a contractor mortgage?
Learn how to apply for a contractor mortgage with our comprehensive guide. We explain eligibility, documentation, and how lenders calculate day rate income.
13th Feb 2026
How long does it take to get a contractor mortgage?
Discover how long does it take to get a contractor mortgage in the UK. This guide explores the typical timeline, documents required, and how to avoid delays.
13th Feb 2026
Can I apply for a mortgage before starting a contract?
Discover if you can apply for a mortgage before starting a contract in the UK. We explain lender requirements, the impact of new jobs, and how to get approved.
13th Feb 2026
What happens if my contract ends during the mortgage process?
Learn what happens if my contract ends during the mortgage process. Understand how lenders assess income, the risks of offer withdrawal, and how to stay on trac
13th Feb 2026
What contract types are accepted by mortgage lenders?
Discover what contract types are accepted by mortgage lenders in the UK. We explain how permanent, fixed-term, and zero-hours roles affect your mortgage odds.
13th Feb 2026
Do contractor mortgages come with higher fees?
Do contractor mortgages come with higher fees? Find out how mortgage costs for contractors compare to standard loans and what extra charges you might expect.
13th Feb 2026
Can contractors get competitive mortgage deals?
Discover if contractors can get competitive mortgage deals in the UK. Learn how lenders assess income, the importance of day rates, and how to improve your odds
13th Feb 2026
How often do contractor mortgage rates change?
Contractor mortgage rates change frequently due to Bank of England decisions and market competition. Learn how often rates shift and how to secure a stable deal
13th Feb 2026
What are common mistakes when applying for a contractor mortgage?
Avoid common pitfalls when seeking a mortgage as a contractor. Learn about income verification, gaps in contracts, and how to improve your approval odds today.
13th Feb 2026
Do lenders verify contractor income differently?
Discover how UK lenders verify contractor income differently using day rates or accounts. Learn about documentation requirements and how to improve your chances
13th Feb 2026
What credit checks are done for contractors?
Lenders review credit history and income stability for UK contractors. Learn what credit checks are done for contractors and how to prepare for your application
13th Feb 2026
Can I switch mortgage providers as a contractor?
Switching mortgage providers as a contractor is possible with the right preparation. Learn about lender criteria, income assessment, and how to find a deal.
13th Feb 2026
Do zero-hour contracts affect my mortgage chances?
Learn how zero-hour contracts affect your mortgage chances in the UK. Discover lender requirements, how to prove income, and tips to improve your application.
13th Feb 2026
Can I get a mortgage if I have a rolling contract?
Yes, you can get a mortgage on a rolling contract. This guide explains how UK lenders assess your income, the criteria you must meet, and how to apply today.
13th Feb 2026
How do lenders verify contractor pay rates?
Learn how lenders verify contractor pay rates for mortgages and loans. Understand the documentation needed, day rate calculations, and how to prove your income.
13th Feb 2026
Is day-rate contracting better for mortgage approval?
Discover if day-rate contracting is better for mortgage approval. Learn how UK lenders calculate income and how to boost your chances of securing a home loan.
13th Feb 2026
Can contractors use dividends as income proof?
Learn how UK contractors can use dividends as income proof for mortgages and loans. Discover the documents required and how lenders assess self-employed income.
13th Feb 2026
Which lenders offer contractor mortgages?
Discover which lenders offer contractor mortgages in the UK. Learn how high-street and specialist banks assess day rates to help you secure a home loan today.
13th Feb 2026
Should I use a mortgage broker as a contractor?
Wondering if you should use a mortgage broker as a contractor? Learn how specialists help contractors secure UK mortgages using day rates and unique income.
13th Feb 2026
How can I get the best mortgage rate as a contractor?
Discover how can i get the best mortgage rate as a contract worker in the UK. Our guide covers specialist lenders, deposit tips, and essential documentation.
13th Feb 2026
Are specialist lenders better for contractors?
Are specialist lenders better for contractors? This guide explains how specialist lenders use day rates and contract history to help UK contractors find loans.
13th Feb 2026
Are online mortgage brokers good for contractors?
Are online mortgage brokers good for contractors? Learn how digital platforms help self-employed professionals secure UK mortgages with specialist advice.
13th Feb 2026
What is a contractor-friendly lender?
A contractor-friendly lender uses day rates rather than just salary to assess mortgage affordability. Learn how they work and how to improve your chances today.
13th Feb 2026
What are tracker mortgages for contractors?
Discover what are tracker mortgages for contractors in the UK. Learn how they work, the benefits of variable rates, and how lenders assess contractor income.
13th Feb 2026
Can I get a mortgage with a zero-hour contract?
Discover how to get a mortgage with a zero-hour contract. Learn about lender requirements, proof of income, and how to improve your chances of approval today.
13th Feb 2026
Do high-street banks give mortgages to contractors?
High-street banks do offer mortgages to contractors, but eligibility depends on your contract terms and income. Learn how to secure a deal and what to expect.
13th Feb 2026
How do I find the best contractor mortgage broker?
Learn how do i find the best contractor mortgage broker with our expert guide. Explore specialist advice, lender criteria, and how to secure a mortgage today.
13th Feb 2026
How do mortgage rates for contractors compare?
Discover how mortgage rates for contractors compare to PAYE workers. Learn about lender criteria, interest rates, and how to improve your mortgage application.
13th Feb 2026
What are the current contractor mortgage rates?
Discover the latest insights into what are the current contractor mortgage rates in the UK. Learn how lenders assess income and find the best deals for you.
13th Feb 2026
Can contractors get help-to-buy mortgages?
Learn how contractors can access mortgage schemes in the UK. Discover eligibility, income assessment methods, and alternatives to the original Help to Buy loan.
13th Feb 2026
How does day-rate contracting affect my mortgage application?
Learn how day-rate contracting affect my mortgage application. We explain income calculations, lender requirements, and how to improve your chances today.
13th Feb 2026
Are offset mortgages good for contractors?
Discover if offset mortgages are good for contractors in the UK. Learn how linking savings can reduce interest, provide flexibility, and manage your tax pots.
13th Feb 2026
Are there interest-only mortgages for contractors?
Contractors can access interest-only mortgages in the UK if they meet specific criteria. Learn about eligibility, income requirements, and repayment strategies.
13th Feb 2026
What is a fixed-rate contractor mortgage?
Learn what is a fixed-rate contractor mortgage and how it helps UK contractors secure stable monthly payments. Discover eligibility, benefits, and the risks.
13th Feb 2026
Are there variable-rate mortgages for contractors?
Finding a mortgage as a contractor can be complex. Learn if there are variable-rate mortgages for contractors, how they work, and what lenders look for today.
13th Feb 2026
Do brokers charge more for contractor mortgages?
Find out if mortgage brokers charge more for contractor mortgages in the UK. We explain fee structures, specialist advice benefits, and how to find the best dea
13th Feb 2026
How can I qualify for a contractor mortgage?
Learn how you can qualify for a contractor mortgage with our expert guide. Discover lender criteria, income assessment methods, and top tips for your applicatio
13th Feb 2026
What documents are needed for a contractor mortgage?
Find out exactly what documents are needed for a contractor mortgage in the UK. Our guide covers ID, contracts, tax records, and more to help you prepare today.
13th Feb 2026
How is mortgage affordability calculated for contractors?
Learn how mortgage affordability is calculated for contractors in the UK. Discover how lenders use day rates or company accounts to assess your borrowing power.
13th Feb 2026
How long do I need to be contracting to get a mortgage?
Discover how long you need to be contracting to get a mortgage in the UK. Our guide explains lender criteria, day rate calculations, and tips for success.
13th Feb 2026
What income do lenders consider for contractors?
Discover what income do lenders consider for contractors in the UK. Learn about day rate calculations, net profit assessments, and how to improve your chances.
13th Feb 2026
Do contractors need a bigger deposit for a mortgage?
Contractors often wonder if they need a larger deposit for a home loan. Generally, the answer is no, but your income stability plays a role. Read our full guide
13th Feb 2026
Can I get a mortgage if I just became a contractor?
Discover if you can get a mortgage if you just became a contractor. Learn about day-rate lending, specialist criteria, and how to improve your chances today.
13th Feb 2026
Are fixed-term contractors eligible for mortgages?
Fixed-term contractors are often eligible for mortgages in the UK. Learn about eligibility criteria, day-rate calculations, and how to improve your application.
13th Feb 2026
What types of contractor mortgages are available?
Learn what types of contractor mortgages are available in the UK, from day rate assessments to CIS schemes. Find the right mortgage for your unique situation.
13th Feb 2026
What is a contractor mortgage?
Learn how a contractor mortgage works, how lenders calculate income based on day rates, and what you need to qualify for a home loan as a contract worker in the
13th Feb 2026
How do contractor mortgages work?
Understand how contractor mortgages work in the UK, including day rate calculations and eligibility criteria for contractors seeking property finance today.
13th Feb 2026
Can contractors get a mortgage in the UK?
Learn how contractors can get a mortgage in the UK. Discover lender requirements, income assessment methods, and how to improve your chances of mortgage approva
13th Feb 2026
What is the difference between a contractor mortgage and a regular mortgage?
Learn the key distinctions between contractor and regular mortgages, including income assessment methods, eligibility criteria, and typical lender requirements.
13th Feb 2026
Why are contractor mortgages harder to get?
Discover why are contractor mortgages harder to get and how to navigate the application process. We explain lender criteria, income assessment, and top tips.
13th Feb 2026
Do all brokers understand contractor mortgages?
Do all brokers understand contractor mortgages? Discover why specialist knowledge is essential for contractors and how tailored lending criteria work for you.
13th Feb 2026
Can I apply directly with a lender as a contractor?
Contractors often ask, can I apply directly with a lender as a contractor? Explore the pros, cons, and how income is assessed for UK mortgage applications.
13th Feb 2026
Can I refinance a buy-to-let property as a contractor?
Learn how you can refinance a buy-to-let property as a contractor in the UK. Discover lender criteria, income assessments, and risks for professional landlords.
13th Feb 2026
Can contractors get buy-to-let mortgages?
Discover how contractors can get buy-to-let mortgages in the UK. Learn about eligibility criteria, income calculations, and how to secure a property investment.
13th Feb 2026
What if my contracts are irregular or seasonal?
Finding a loan or mortgage with irregular or seasonal contracts is possible. Learn how UK lenders assess fluctuating income and how to improve your chances.
13th Feb 2026
What if my contract is about to expire?
If your employment or bridging loan contract is about to expire, explore your options for refinancing or renewals early to avoid financial risks and fees.
13th Feb 2026
Are construction contractors eligible for mortgages?
Construction contractors can secure UK mortgages through various routes. Learn how day rates, CIS schemes, and income evidence affect your mortgage eligibility.
13th Feb 2026
Can contractors release equity from their home?
UK contractors can release equity from their home via remortgaging or secured loans. Learn about lender requirements, daily rates, and the risks involved today.
13th Feb 2026
Are there special grants for contractors buying homes?
Discover if there are special grants for contractors buying homes in the UK. Explore government schemes, contractor-friendly mortgages, and eligibility tips.
13th Feb 2026
What financial support exists for contractors buying their first home?
Discover what financial support exists for contractors buying their first home in the UK, from specialist mortgages to government schemes and LISA benefits.
13th Feb 2026
Can contractors apply for the Right to Buy scheme?
Contractors can apply for the Right to Buy scheme if they meet residency rules. Learn how contractor income affects mortgage eligibility and the buying process.
13th Feb 2026
Can self-employed contractors get a mortgage?
Yes, self-employed contractors can get a mortgage in the UK. Learn about lender requirements, day rates, and how to improve your chances of approval today.
13th Feb 2026
Are interest rates higher for contractors?
Find out if interest rates are higher for contractors in the UK. This guide explains how lenders view your income and how to secure the most competitive rates.
13th Feb 2026