Mortgage
Medical & Health
Flexible mortgage solutions designed around NHS pay structures, locum income, and private practice earnings.
NHS ProfessionalsLocum DoctorsDentists
Explore Medical & Health Contractors & Professionals Your Career Is Specialist.
Your Career Is Specialist.
Your Mortgage Should Be Too.
Expert mortgage solutions for professionals, contractors and business owners with complex or non-traditional income.
Who We Help
Mortgage Solutions for Your Professional Career
Whether you're employed, contracting or running your own business, we'll find the right mortgage for you.
Mortgage
Corporate & IT
Day-rate and fixed-term contractor mortgages that account for IR35 status and gross contract value rather than drawn salary.
IT ContractorsConsultantsFinance Professionals
Explore Corporate & IT 
Mortgage
Construction & Trades
Specialist lending for CIS workers and tradespeople, assessing gross voucher earnings and day rates for maximum borrowing.
CIS WorkersTradespeopleSite Managers
Explore Construction & Trades 
Mortgage
Business Owners
Mortgages built around retained profits, dividends and director's income — not just the salary you pay yourself.
Limited CompanySole TradersDirectors
Explore Business Owners The Contractor Advantage
We Turn Complex Income Structures Into High-Value Mortgage Approvals
Whether you're buying your first home, growing a property portfolio, or financing a business — we have specialist solutions for every situation.
Gross Contract Valuation
Assessments calculated using 46–48 weeks × your day rate rather than relying strictly on net profits or drawn dividends which reduce your true borrowing ceiling.
- No requirement for 3 years of accounts
- Full day-rate multiplier application
Minimal Account History
Options available with as little as 1 to 3 months remaining or completed on your current contract, avoiding the standard 2–3 year trading requirement.
- First-time contractor friendly
- Contract renewal flexibility
Specialist Underwriter Access
Direct access to high-street & specialist underwriters who fully understand IR35 inside/outside determinations and CIS payroll structures.
- Manual underwriting review
- CIS gross income calculation
Simple Qualifications
What You Need to Secure Your Contractor Mortgage
Clear, straightforward requirements to make your application as smooth as possible.
Standard Documentation Checklist
Minimal paperwork required-
Current Signed Contract: Copy of your active contract detailing day rate, hourly rate, or gross CIS voucher earnings.
-
3 Months Bank Statements: Personal and/or business bank accounts verifying income credits corresponding to contract rates.
-
Proof of Identification & Address: Passport, Driving License, and utility bill or council tax statement.
-
SA302 / CIS Slips (If applicable): Only required for standard self-employed routes or CIS worker verification.
Contract Gap Protection
Concerned About Gaps Between Contracts?
Many traditional lenders reject candidates if there is a break in contracting history. We work with specialist underwriters who accept up to 6–8 week gaps between contracts without penalizing your overall borrowing allowance.
Flexible Renewal Terms
If your contract is due to end within 30 days, we secure immediate offer extensions upon proof of intent to renew or new contract offer.
How It Works
The AI-Powered Mortgage Journey
From first question to completion — our AI guides every step.
Discover
Tell our AI about your situation in minutes — no forms, just a conversation.
Analyse
Our AI analyses 120+ lenders to find your best options instantly.
Match
Get matched with the right lender based on your unique profile.
Apply
Your dedicated adviser manages the full application for you.
Complete
Completion day — you get the keys, we handle the paperwork.
Start Your Journey Now Why us
What Drives Us
Our values aren't a list of words — they're the principles behind every decision we make.
Technology-First
We built AI into every step of the mortgage journey — not as a gimmick, but because it genuinely finds better deals for clients faster.
Regulated & Trusted
Fully FCA regulated with qualified, experienced advisers. Your interests always come first.
Client-Centric
We measure our success by our clients' success. 4.9-star Trustpilot rating from 2,400+ genuine reviews.
Specialist Expertise
From contractors and self-employed to commercial finance — we handle complex cases that high street banks turn away.
Not Sure Which Mortgage Is Right For You?
Our AI mortgage assistant analyses your situation and matches you with the right product and lender — before you speak to an adviser.
Talk To AI AssistantContact 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
FAQ
Common Questions
Everything you need to know about mortgages
When should I consider remortgaging my property? 
Most homeowners start the remortgage process 3 to 6 months before their current fixed deal ends to avoid switching to a higher Standard Variable Rate (SVR).
How far in advance should I start the remortgage process?
Starting 3 to 6 months in advance allows you to secure a rate lock early while giving your adviser plenty of time to process your application.
Can I remortgage early without paying Early Repayment Charges (ERCs)?
Yes, you can secure a new mortgage offer up to 6 months in advance that is set to take effect the exact day your existing deal expires.
Can I remortgage if I am self-employed or working as a contractor?
Yes. Specialist lenders assess bank, locum, overtime, or contract income differently than high street banks to maximize your borrowing power.