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These mortgages are products designed to meet the specific needs of contractors. As pay is typically based on a daily or weekly rate, in many cases they do not have a yearly salary or the 3 years of accounts some mortgage providers ask to see. Instead, specialist mortgages for contractors allow you to borrow money based purely on your contract rate. If your credit rating is fine and you fall into the low risk category, you should be able to borrow at the same rate of interest as a PAYE employee.

For the last couple of years contractors have been able to get a mortgage without producing 3 years of accounts. Although every lender will have their own criteria which dictates who they lend to and what they need to see, most specialist lenders will be happy to arrange a mortgage based on the contract you have now, rather than past performance.

We specialise in niche financial services like mortgages for contractors and know exactly which lenders to approach to find the right deal. This intricate knowledge of the market means we can secure a competitively priced contractor mortgage where others have failed before.

Poor / Adverse Credit

If you have Bad or Adverse credit, are a discharged Bankrupt, have been in a IVA or Debt Management, and you need a mortgage, you have landed on exactly the right page, why, because it is what we specialize in, and we are very good at what we do. We spend a massive amount of our time talking to lenders who are prepared to help, and they want to lend where they can . In a lot of cases we can help even if you have been refused elsewhere.

We are special because we know our market, and our lenders trust us because we are totally honest and transparent with them from day one. We are not time waster's, so if we cannot help you we will tell you as soon as possible. Our business model is that we want to see everything from you up front, your credit file and any information that will have an impact on your application. If we can see very early on what the lender will see when looking at you, we are in the driving seat, and we can, if at all possible take you to the right lender who will say yes on the most competitive terms.

Auction Finance

If you go to buy a property at auction, you will be required to pay a 10% deposit on the day once you have won the auction and the balance within about 28 days.

You might think you can arrange a mortgage this quickly assuming the property is mortgageable (meaning it must have a functioning kitchen and bathroom which many repossessed properties in an auction may not have). However, this is faster than a bank can move and too great a risk to take with your 10% deposit. The route taken by many is to arrange Auction Bridging Finance

The first thing to know about how Auction Bridging finance, is that fast; it can usually be arranged in a matter of days. Secondly, up to 70-75% of the purchase price or Open Market Value (usually whichever is lower) is available so you will still need a deposit of 25-30% in total.

Before the auction, speak to a finance broker about your likelihood of getting finance on the property you are buying. This will depend on:

  • The location of the property
  • The nature of the property
  • How you intend to repay the bridging loan
  • Your experience in these kind of transactions
  • How much you want to borrow
  • Your credit history (to a limited degree only though)

Based on the above you should have an Offer in Principle as you head to the auction.

After you have purchased at auction, the Bridging firm will arrange a formal valuation (if required) and this will lead to a formal offer for your finance. Specialist solicitors who are familiar with how to get auction finance then step in and complete the paperwork.

The typical costs for Auction Finance are:

  • Most lenders charge and Arrangement fee of approx 2%
  • If you use a broker, the will charge a fee, typically 0.5-1%
  • It is standard that you pay the Lender’s legal and valuation fees
  • You may also wish to engage your own solicitor which would be at your expense
  • How much you want to borrow
  • Your credit history (to a limited degree only though)

All told the entire process post-auction should take no longer than 7-10 working days and you should have finance in place for 6-12 months, enough time to complete and renovations required to the property and either refinance it or sell it on.


Protection does not need to cost the earth. And lots of people are finding that even a relatively small amount of cover helps their families cope when disaster strikes. There are many types of cover available on the market today and we have listed these below. However, we would always recommend that you speak with a qualified expert adviser who will be able to assess your individual situation and advise on the right type of protection products to suit the circumstances of you and your family. We will also discuss the benefits of placing policies in trust. To get a personalised quote on any of the covers listed below, please contact one of our experts.

Mortgage Payment Protection

This is one of the most common protection products as a mortgage payment is often someone’s biggest commitment. Commonly known as Accident, Sickness and Unemployment cover (ASU), this can give you peace of mind knowing that, in the event of redundancy or illness, your mortgage payments will be made and your home will be safe. Most standard mortgages do not have any protection insurance included, so it's important to decide what kind of separate cover you need. Usually payments are made for up to a maximum of 12 months, but if you would like to be covered for longer than this you may want to consider taking out income protection.

Income Protection

This offers borrowers the security of knowing that their essential repayments will be made if they are off work due to an accident or sickness. For example, if you are in an accident and are unable to work for a while, a lack of comprehensive income protection cover means you will rely solely on state benefits, which are unlikely to be sufficient to meet your mortgage repayments, let alone any other essential spending. Income protection can help as it provides a tax-free monthly payment until you are able to return back to work.

Life Assurance

Life Assurance gives you the comfort of knowing that your loved ones will be provided for should you die. There are many different ways to arrange life cover and we can help you find the most appropriate plan available.

When linked to a mortgage, Life Assurance ensures that in the event of death your mortgage will be repaid. This means that your dependants will be left with a mortgage-free roof over their heads. There are two common types of Life Assurance linked to a mortgage, Level Term and Decreasing Term. Level Term Assurance provides a set level of cover for the term you choose. Decreasing Term Assurance covers you for the term you choose, but the level of cover decreases through the term of this policy, usually to coincide with the reducing debt on your mortgage.

Critical Illness Cover (CIC)

CIC is similar to Life Assurance but it pays out on diagnosis of certain illnesses as opposed to only paying out on death.

Buildings and Contents Insurance

Buildings insurance will cover your home from such events as fire, flood and subsidence.

Commercial Finance

Are you a Commercial Landlord looking to increase your portfolio or review your existing borrowing facilities? Or would you like to purchase or refinance your own trading premises? Whatever your commercial property requirement, we have experts to assist with any situation. Competition has increased dramatically in recent years, with the introduction to the market of Challenger Banks and Specialist Lenders to compete with the traditional High Street Banks. This has made owning commercial property as a landlord or business owner more achievable than ever before.

We can provide 1st & 2nd charge term lending on a vast array of properties including:

  • Retail
  • Offices
  • Industrial and Warehouse Units
  • Dental, GP and Veterinary Practices
  • Nursing/Care Homes
  • Leisure and Hospitality including Public Houses, Restaurants, B&B, Guest Houses, Hotels, Gyms, Fitness Centres and Golf Courses


Credit reports are vital to day to day lives from monitoring your record for inaccurate information or more serious fraud, they are also vital to us to help you get the best deal possible.

They are the primary tool the lenders use to decide if you are able to obtain a mortgage. Please obtain your reports from the following means to help us and you give the best picture possible of your credit profile: