Start AI Consultation 
Day-Rate Contractors
Many lenders work out your income from your contract rate. For example, some use your day rate × 5 days × 46 weeks.
Corporate & IT
Solutions Built to Modernize
and Scale Your Mortgage Options
Whether you're on a day rate, a fixed-term contract or paid through an umbrella company, we help you find lenders whose criteria suit how you work.
TAILORED MORTGAGE SOLUTIONS
Corporate & IT Mortgages: Built Around How You Earn
Many lenders can assess contractors on their contract rate rather than relying only on past accounts. We help you find the right lender for how you work.
Fixed-Term Contracts
Some lenders look for at least 12 months left on your contract, while others accept a 12-month track record of income from contract work.
SPECIALIST SOLUTIONS
Specialized Mortgages
We understand how contractors are paid. Explore the main ways lenders assess contract income.
IT Contractor Mortgages
Some lenders work out your income from your contract rate, for example your day rate × 5 days × 46 weeks.
Umbrella Company Workers
If you're paid through an umbrella company, some lenders deduct umbrella fees and employer costs, such as employer National Insurance, before working out your income.
Retained Profit
If you contract through your own limited company, some lenders can use your share of the company's net profit after Corporation Tax, while others exclude retained profits.
First-Time Contractors
New to contracting? Some lenders accept 2 years' experience in the same industry in place of a longer contracting history.
Fixed-Term Contracts
Some lenders look for at least 12 months left on your contract, while others accept a 12-month track record of contract income.
Gaps Between Contracts
Some lenders accept gaps of up to 6 or 8 weeks, while others reduce the income they use for gaps of more than 4 weeks.
WHO WE SUPPORT
Specialized Finance for
Tech & Corporate Growth
Mortgage advice for technology, finance, engineering and consulting contractors.
01
IT Contractors & Software Engineers
Mortgage advice for tech specialists on day-rate and rolling contracts.
02
Corporate & Strategy Consultants
Consultants on day rates, whose income many lenders work out from the contract rate.
03
Umbrella & PSC Business Structures
Whether you work through an umbrella company or your own limited company, lenders assess your income in different ways.
04
New Contracts & Gaps
Some lenders accept new contractors with experience in the same industry, and gaps of up to 6 or 8 weeks between contracts.
How It Works
Straightforward Journey To Your Mortgage
From your first conversation to completion, we're with you every step.
- 01
Free Consultation
A no-obligation call with a dedicated specialist adviser to understand your situation and goals.
- 02
Income Assessment
We analyse your contract, accounts, and earnings to establish your maximum borrowing power.
- 03
Whole Market Search
We search 90+ lenders including specialist contractors and professionals to find your best rate.
- 04
Mortgage Application
We handle the entire application, liaising with lenders, solicitors, and surveyors on your behalf.
- 05
Mortgage Offer
Receive your formal mortgage offer — typically within 2–8 weeks of application submission.
THE MORTGAGETEK DISTINCTION
Why Choose Us for Corporate & IT Mortgage?
We help contractors present their contract income clearly to lenders who understand it.
Agreement in Principle
An agreement in principle shows estate agents how much a lender may be willing to lend. It isn't a guaranteed mortgage offer.
IR35 Familiar Lenders
Whether you're inside IR35 through an umbrella or outside IR35 through your own company, we help you find lenders whose criteria fit.
Specialist Lenders
Access to high street banks, building societies and specialist lenders that assess contract income.
Retained Profit Options
Some lenders can use your share of your company's profit, so you may not need to draw extra dividends just to borrow more.
One Point of Contact
Your adviser keeps you updated from your first call through to completion, so you can keep working.
Authorised by the FCA
MortgageTek is authorised and regulated by the Financial Conduct Authority (FCA reg. 788950).
CRITICAL BUYER CHECKLIST
What You Should Know Before Buying As A Contractor
Key details every tech contractor and corporate professional should know before house hunting.
Minimum Income
Some lenders set a minimum income for contractors, such as £300 a day or £50,000 a year.
Remaining Contract Term
If your contract is ending soon, lenders may ask for renewal evidence. When lenders ask for evidence of renewal varies, from under 1 month left on your contract at some lenders to under 3 months at others.
Gaps in Contracting
Some lenders accept gaps of up to 6 or 8 weeks in the last 12 months, while others reduce the income they use for gaps of more than 4 weeks.
New To Contracting
If you're new to contracting, some lenders accept 2 years' experience in the same industry, depending on your income.
Required Document Pack
Keep your current and previous contracts, recent bank statements and an up-to-date CV ready. Some lenders use your CV to confirm experience in your field.
IR35 & Umbrella Pay
If you're paid through an umbrella company, some lenders deduct employer costs and umbrella fees from your pay before annualising it.
Deposit Source
Lenders check where your deposit comes from, such as savings, a gift or money from your company, so have the paperwork ready.
Buy-to-Let Mortgages
Investing in buy-to-let through a limited company is a separate type of mortgage from buying your own home.
Contact us
Talk to our Mortgage Experts
Have a question about rates, pre-approval, or the buying process? We're here to make the mortgage side of things simple and stress-free. Drop us a line today.
Get Your Free Mortgage Consultation
Speak to a specialist mortgage adviser today
COMMON QUESTIONS
Common Questions
Everything you need to know about contractor mortgages.
How much can I borrow as a contractor? ▼
Many lenders work out your income from your contract rate, for example your day rate × 5 days × 46 weeks. How much you can borrow then depends on the lender's income multiples and your affordability.
Do I need 3 years of accounts to get a mortgage? ▼
Not always. Many lenders assess contractors on their current contract and contract history, for example 6 to 12 months, rather than years of accounts.
Can I get a mortgage if I am inside IR35? ▼
Yes. Lenders commonly use your payslips and contract. Some deduct umbrella fees and employer costs, such as employer National Insurance, from your gross pay before annualising it.
How long must be left on my current contract? ▼
Many lenders ask for evidence of renewal or a new contract if your current one is ending soon. When lenders ask for evidence of renewal varies, from under 1 month left on your contract at some lenders to under 3 months at others.