Contractor Mortgages: How to get one

Getting a contractor mortgage can sometimes be an uphill battle. CMME believe it should be simple. 

A mortgage is likely to be the biggest financial commitment that you will ever enter into which is why you should have everything you need to make the process as simple and stress-free as possible. Before arranging your mortgage there are many questions that you will want answered, such as: 

• How much can I realistically afford? 
• What type of mortgage should I choose?  
• How does the process work? 
• What obstacles am I likely to come across as a contractor? 

These are just some of the questions that you will want answered. 

We have created this simple guide to help you understand everything you need to know about obtaining a mortgage as a contractor. We hope that with this guide and advice from a broker, you will be in a confident position to make the right decisions for you. 

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What’s in This Contractor Mortgage Guide? 

• Getting a mortgage as a contractor  
• In this section we discuss the hurdles you may face as a contractor looking for a mortgage, from lenders to affordability, CMME make it clear and simple.  
• How much could you borrow? 
• You may already have a figure in your head of how much you would like to borrow for you house purchase; CMME can give you a more specific idea based on a number of factors so you can plan accordingly. 
• Overcoming the hurdles 
• As outlined in the first section, you will ultimately face hurdles when it comes to your mortgage application, because of the way you work. CMME’s mission is to end this bias against contractors and ultimately be the solution you’re looking for.