Contractor Mortgage Solutions

Planning to relocate? With many mortgage products available, our experienced UK-based mortgage advisers at Contractor Mortgage Solutions will guide you through every step and find a great deal tailored to your needs.

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Contract Mortgage Solution


We take pride in helping our customers.

No technicalities, no barriers, no headaches. We’re here to help you find the best mortgage deal, whether you’re a first-time buyer, remortgaging, moving home, purchasing additional properties, or working through adverse credit. Our mission is to make your dream home a reality.

Ready to discuss your options?


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31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB

Mon-Fri (8am-5pm)
Sat-Sun (10am-1pm)

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Mortgage Solution

Find your dream home with the right mortgage solutions in the UK whether you are buying for the first time or changing your mortgage we are here to help. We will guide you through the options and find the perfect fit for you.

Mortgage Calculators

A mortgage calculator is a tool that helps you figure out how much you’d pay for a house each month. You just enter some info, like how much money you want to borrow, the interest rate, and how long you want to pay it back. The calculator then tells you how much your monthly payment would be. This helps you see if a house is affordable before you even start looking!

Mortgages for Contractors

Mortgage Solutions


Remortgages for self-employed contractors. 

Self Employed Mortgages

Key to finding the right mortgages for self-eployed. 

First Time Buyer


Right place to inves, we are best for first-time-buyer mortgages. 

Home Mover Mortgage

If you are planning on moving soon, where we step in to assist.

How Mortgage work?

Mortgage work is essential before buying a  home. It’s a big financial commitment, but it can help you achieve your dream of homeownership. Make sure you’re comfortable with the terms and can afford the payments before committing.


Get Organized

Start by gathering important documents like income statements and bank records to show lenders where you stand financially.


Fill out Forms

Once you’ve got your paperwork sorted, it’s time to tackle the mortgage application.


Know Your Prequalification

Understand the difference between prequalification (a ballpark estimate) and preapproval (a thorough check) to know where you stand with lenders.


Property Check

After pre-approval, your potential new home gets appraised to make sure it’s worth what you’re paying. Inspections also happen to catch any surprises, and title searches ensure there are no ownership hiccups.



Your application then heads to underwriting, where it’s reviewed to make sure everything checks out financially.


Closing Time

Once you’re in the clear, it’s time for closing. Sign some papers, transfer funds, and voilà – you’re officially a homeowner!


What If You Can't Pay?

If you miss payments, you could lose the house. It’s important to budget and make sure you can afford the mortgage before buying

Mortgage Options/Service

Buying a home in the UK?
You’ve got choices! Fixed rates, variable rates, and special deals for first-timers like Help to Buy. Find the perfect fit for your journey!

First Time Buyer

Taking the plunge into homeownership? It’s a big step! But with programs like Help to Buy, it’s easier than you think. Plan your budget, explore mortgages, and find your dream home!


Ready for a mortgage makeover? Remortgage to snag better deals or cash in on your home’s value. Take control of your finances and save money along the way!

Buy to Let

Want to be your own landlord? Buy a property, rent it out, and watch the cash flow in! But remember, being a landlord has its responsibilities. Do your homework before diving in!

Why Choose Us?

Dreaming of homeownership as a freelancer or contractor? We’ve got you covered with our tailored mortgage solutions!


Our mortgages are designed to adapt to your unique financial situation, whether you’re navigating IR35 or facing income fluctuations.


No two contractors are alike, and neither are our mortgage solutions. We’ll customize a plan that fits you perfectly.


We make securing a mortgage hassle-free for self-employed professionals like you, ensuring it’s accessible and straightforward.

We serve our clients best of capacity

Fee Jav


Fantastic service from Mo and his team at Contract Mortgage Solutions. They made my remortgage process easy and efficient. A real pleasure to deal with, and I highly recommend them as great mortgage brokers.

Goretty Dias


Mo is extremely professional and has helped me with new and remortgage transactions over the past 3 years. Contract Mortgage Solutions is efficient, communicative, and resolves issues well. Highly recommend!

Layla De Freitas


Mo and his team have provided our mortgage for 7 years, helping us remortgage 3 times. Mo goes above and beyond with in-depth market knowledge and excellent service, even with our changing plans. Thank you!”

Our Lenders

We work with one of the best lenders in the market!


Can I get a contractor mortgage if I have bad credit?

Yes, obtaining a contractor mortgage is possible even if you have bad credit. However, having a poor credit history may limit your options and result in higher interest rates or stricter lending criteria. It’s advisable to improve your credit score before applying for a mortgage or seek assistance from specialist lenders catering to individuals with bad credit.

How much deposit do I need for a contractor mortgage?

The deposit required for a contractor mortgage typically falls within 5% to 20% of the property’s value. The amount will depend on your financial circumstances and the lender’s requirements. A larger deposit often leads to more favourable terms and lower interest rates.

What documents do I need for a contractor mortgage application?

When applying for a contractor mortgage, you will generally need documents such as proof of identity (passport or driving license), proof of address (utility bills or bank statements), bank statements showing income deposits over several months, contract details with clients or agencies, tax returns or SA302 forms from HMRC, and any other relevant financial documentation.

Can I get a contractor mortgage if I’m self-employed?

Yes, contractor mortgages are available for self-employed individuals. Contractors and freelancers often fall into the self-employed category. However, lenders may require additional documentation to verify your income stability and affordability.

Can I switch my existing mortgage to a contractor mortgage?

Yes, switching your existing mortgage to a contractor mortgage is possible if you meet the lender’s criteria and demonstrate sufficient income. It’s best to consult with an independent financial advisor or speak directly with potential lenders to explore your options and figure out the best course of action.

Feel free to ask any question to us

Call Us
+44 2038278560

Email Us

31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB

Mon-Fri (8am-5pm)
Sat-Sun (10am-1pm)

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