Secure a Mortgage on Your Fixed-Term Contract
Fixed-term contract workers can face challenges when applying for a mortgage. Mortgage-Tek specialises in helping professionals on temporary or fixed-term contracts access tailored mortgage solutions. We work with specialist lenders who understand contract-based income, ensuring your earning potential is recognised and maximising your borrowing power.
We work with more than 120 mortgage lenders, including
Why Fixed-Term Contract Mortgages Are Different
Tailored Mortgage Solutions for Fixed-Term Contracts
 Fixed-term contract mortgages are designed for professionals whose income comes from temporary or contract-based roles. Unlike standard mortgages, lenders assess your contract terms, duration, and industry stability rather than just annual salary. Mortgage-Tek works with specialist lenders who recognise the reliability of fixed-term income, helping you secure the mortgage you deserve without unnecessary barriers.
Key Benefits:
- Flexible Income Assessment: Your contract income is fully recognised, even if temporary or short-term.
- Access to Specialist Lenders: We work with lenders who understand contract-based earnings.
- Maximise Borrowing Power: Structured applications highlight your earning potential, not gaps.
- Tailored Advice: Solutions designed specifically for first-time buyers, remortgages, and buy-to-let investors.
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Who Can Apply
Mortgage Access for Fixed-Term Contract Professionals
 Fixed-term contract mortgages are suitable for a variety of professionals who rely on temporary or contract-based income. Mortgage-Tek ensures your earning potential is properly assessed, giving you access to competitive mortgage deals even if you don’t have permanent employment.
Eligible Applicants Include:
Contract Professionals
Benefit from lower initial repayments while establishing your financial footing.
Temporary Employees
Switch from existing deals to discounted rates for short-term savings.
Self-Employed Contractors
Reduce interest costs on investment properties to improve cash flow.
Portfolio Landlords
Investors with multiple properties on contract-based income streams.
Services We Provide
Tailored Discounted Rate Mortgage Solutions
 Mortgage-Tek offers a comprehensive range of mortgage services for professionals on fixed-term contracts. We ensure your income is accurately represented and you access the most suitable deals for your circumstances.
Our Services Include:
First-Time Buyer Mortgages
Helping contract workers step onto the property ladder with confidence.
Remortgages
Switching from existing deals to secure better rates or more suitable terms.
Buy-to-Let Mortgages
For contract professionals looking to invest or expand their property portfolio.
Portfolio Expansion
Structured solutions for landlords managing multiple properties.
Flexible Repayment Options
Tailored to your contract length, income, and long-term goals.
Why Choose Mortgage-Tek
Expert Mortgage Advice for Fixed-Term Contract Professionals
 Mortgage-Tek specialises in helping professionals on fixed-term contracts secure the mortgage they deserve. Our team combines industry expertise, access to specialist lenders, and personalised guidance to make the mortgage process clear, efficient, and tailored to your unique income structure.
Specialist Expertise
Years of experience securing mortgages for fixed-term contract workers across multiple sectors.
Direct Lender Access
Partnerships with lenders that understand contract-based income and offer competitive deals.
Tailored Solutions
Applications structured around your contracts, income, and long-term financial goals.
Transparent Process
Clear, jargon-free advice so you fully understand your mortgage options.
Ongoing Support
Assistance from initial application to remortgaging or future property investments.
Competitive Rates
Exclusive mortgage deals designed to maximise your borrowing power and save you money.
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Get in Touch For Our Expert Mortgage Advice
Looking for the right mortgage solution? Whether you’re securing a better rate, switching deals, or exploring let-to-buy options, our experts are here to help. Get in touch today for tailored mortgage advice and find the best deal for your needs—hassle-free and straightforward!
| Call Us | 020 3827 8558 |
| Email Us | info@mortgage-tek.co.uk |
| Address | 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB |
| Opening Hours | Mon–Fri (8:30am–7pm) Sat (9am–5pm) |
Frequently Asked Questions
Can I get a mortgage if my contract is less than 12 months?
Yes. Some lenders consider contracts as short as 3–6 months, especially if you have a consistent track record in your sector. Mortgage-Tek identifies lenders who value contract history and industry stability.
How do lenders calculate my income?
 Lenders assess your actual contract income, often averaging your earnings over the past 12–24 months and factoring in expected renewals or extensions.
Are fixed-term contract mortgages more expensive?
 Not necessarily. With specialist lender access, Mortgage-Tek helps you find competitive rates comparable to standard mortgages.
Can I remortgage while on a fixed-term contract?
Yes. Mortgage-Tek can advise on switching lenders or products to maintain affordability and take advantage of better rates.
Do lenders accept contractors and temporary employees?
Absolutely. Many lenders work specifically with contract-based professionals. We ensure your application highlights stability, earning potential, and industry experience.