Mortgages Designed for IT Contractors
 Working as an IT contractor brings flexibility but can make securing a mortgage challenging. High street lenders often struggle to assess contract-based income. Mortgage-Tek specialises in helping IT contractors, freelancers, and consultants access tailored mortgage solutions. Whether you’re buying your first home, remortgaging, or investing in property, we ensure your income is accurately presented to specialist lenders for the best possible outcome.
We work with more than 120 mortgage lenders, including
Why IT Contractor Mortgages Are Different
Specialist Solutions for Contract-Based Income
 IT contractors face unique challenges when applying for a mortgage. Short-term contracts, variable pay, and freelance work often make traditional lenders hesitant. Mortgage-Tek works with specialist lenders who understand the IT contracting sector and structure applications to reflect your true earning potential. This ensures you access competitive borrowing power without unnecessary delays or rejections.
Key Benefits:
- Accurate Income Assessment: Contracts, day rates, and historical earnings are fully recognised.
- Specialist Lender Access: Lenders who understand IT contracting provide more mortgage options.
- Flexible Mortgage Solutions: Options tailored to contract length, variable pay, and freelance assignments.
- Professional Support: We handle documentation and communication with lenders to simplify the process.
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Who Can Apply
Mortgage Solutions for IT Contractors and Freelancers
IT contractor mortgages are designed for professionals whose income comes from contracts, freelance work, or consultancy. Mortgage-Tek ensures your earnings are presented accurately to specialist lenders, giving you access to the borrowing power you deserve.
Eligible Applicants Include:
IT Contractors & Freelancers
Professionals working on fixed-term or rolling contracts.
Consultants & Directors
Limited company directors and contractors with corporate arrangements.
First-Time Buyers & Remortgagers
IT contractors entering the property market or seeking improved mortgage terms.
Investors & Portfolio Builders
 Contractors looking to buy-to-let or expand property portfolios.
Flexible Earners
 Those with variable income, bonus structures, or seasonal work.
Services We Provide
Tailored Mortgage Solutions for IT Contractors
 Mortgage-Tek offers a full range of services designed specifically for IT contractors, freelancers, and consultants. We structure applications to account for variable income, short-term contracts, and corporate arrangements, ensuring you access the right mortgage for your needs.
Our Services Include:
First-Time Buyer Mortgages
Helping IT contractors purchase their first property with confidence.
Remortgages
Switching lenders or improving terms while considering contract-based income.
Buy-to-Let Mortgages
Assisting contractors who want to invest in rental properties.
Portfolio Expansion
Supporting IT contractors to grow and manage multiple properties efficiently.
Flexible Repayment Options
Structuring mortgages to accommodate variable income without penalties.
Why Choose Mortgage-Tek
Expert Guidance for IT Contractors
 Mortgage-Tek specialises in helping IT contractors, freelancers, and consultants secure mortgages despite variable income and contract-based work. Our team provides expert advice, access to specialist lenders, and tailored solutions to maximise your borrowing potential. We manage the process from consultation to completion, ensuring a smooth and professional experience.
Specialist Expertise
Years of experience helping IT contractors navigate complex mortgage applications.
Direct Lender Access
Partnerships with lenders who understand contract-based IT income.
Tailored Solutions
Applications structured around your full earnings, including contracts and bonuses.
Transparent Process
Honest, jargon-free advice at every stage, ensuring clarity and confidence throughout your journey.
Ongoing Support
Continuous assistance to manage your mortgage, remortgage smoothly, and grow your property
Competitive Rates
Exclusive mortgage deals designed to maximise your borrowing power and save you money.
Types of IT Contractors We Help
Mortgage Solutions for Every Type of IT Contractor
 Mortgage-Tek supports IT professionals across all contract types. We structure mortgage applications to reflect your true income, regardless of how you work, ensuring maximum borrowing potential with specialist lenders.
1: Limited Company Contractors:
Directors operating through their own company, with full consideration of dividends and salary.
2: Umbrella Contractors:
Contractors employed via umbrella companies, with flexible income assessment.
3: Freelancers & Consultants:Â
Those providing services on a project or consultancy basis, including short-term contracts.
4: CIS Contractors:
IT contractors under the Construction Industry Scheme or similar tax arrangements.
5: Short-Term Contract Contractors:
Professionals with contracts as short as 3–6 months, recognised by specialist lenders.
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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 Question
Can I get a mortgage if I’ve just started contracting?
 Yes. Specialist lenders accept contractors with as little as 3–6 months’ experience, especially with prior sector experience.
How is my income assessed as an IT contractor?
 We consider day rates, contract length, bonuses, and dividends to present your full earning potential.
Do IT contractor mortgages have higher rates?
 Not necessarily. With the right lender, rates are competitive and comparable to standard mortgages.
Can I remortgage as a contractor?
 Absolutely. Many contractors refinance to secure better rates or release equity while continuing contract work.
What documentation is required for IT contractor mortgages?
 We guide you through contracts, payslips, bank statements, and company accounts if applicable.