Commercial Mortgages for Contractors ,Built Around Your Business Potential
At Contractor Mortgage Solutions, we help contractors and self-employed professionals secure commercial mortgages without the hurdles of traditional lending. Whether you’re expanding your business premises, purchasing an investment property, or refinancing an existing asset, we work with specialist lenders who assess your borrowing power based on your contract income ,not just company accounts. With our expert guidance and access to exclusive rates, you can achieve your commercial goals with confidence and flexibility.
Tailored Mortgage Solutions / Options / Types
Tailored Commercial Mortgage Solutions for Contractors
At Contractor Mortgage Solutions, we understand that contractors often face unique challenges when applying for commercial finance. That’s why we’ve developed bespoke commercial mortgage solutions designed around your contract income and business goals. Whether you’re buying office space, a retail unit, or an investment property, our expert advisers match you with lenders who appreciate the contracting lifestyle ,not penalise it.
Owner-Occupied Commercial Mortgages
Ideal for contractors looking to purchase premises for their own business. We help you secure funding to buy or refinance your workspace, giving you control over your costs and long-term investment.
Commercial Investment Mortgages
If you’re planning to invest in commercial property ,such as offices, warehouses, or retail units ,our advisers source competitive rates and terms tailored to your contract-based income.
Semi-Commercial Mortgages
For properties that mix residential and commercial use (like a shop with flats above), we help you find flexible lenders who understand the nuances of contractor income streams.
Semi-Commercial Mortgages
Many contractors use commercial mortgages to expand their property portfolios. We can help you structure your borrowing efficiently, ensuring your investment works harder for your financial goals.
We work with more than 120 mortgage lenders, including:
We Operate Based on Your Day Rate
We specialise in securing commercial mortgages for contractors based entirely on their contract earnings ,no tax returns or company accounts required. For over a decade, Contractor Mortgage Solutions has helped self-employed professionals and limited company contractors purchase commercial properties, refinance business premises, and expand their investment portfolios. Our close relationships with specialist UK lenders allow us to offer bespoke commercial mortgage options rarely found on the high street or through generic brokers.
Estimate Your Commercial Borrowing Power
Use our commercial mortgage calculator to get an instant estimate of how much you could borrow based on your contract income and financial profile.
Please note that this tool provides an indication only ,for a fully tailored commercial mortgage assessment,
speak with one of our specialist advisers today.
Almost there!
Please provide your details to see your mortgage calculation resultsYour Estimated Borrowing Amount
Please note, that this calculator only provides indications of possible borrowings.
Contact us for a free bespoke contractor mortgage recommendation.
Ready to Secure Your Commercial Mortgage?
Don’t let complex lender requirements stand in the way of your business or investment goals. Whether you’re purchasing new premises, refinancing an existing property, or expanding your portfolio, our advisers can help you secure a commercial mortgage based on your contract income ,no traditional accounts or lengthy paperwork required. With our guidance and access to specialist lenders, achieving your next business milestone is simpler than you think.
Compare & Find the Right Mortgage for You
Don’t settle for a one-size-fits-all loan ,explore, compare, and secure the best commercial mortgage tailored to your business goals.
Mortgage Comparison
Find the Right Second Mortgage in Minutes
Securing a commercial mortgage can be complex, but we make it simple. Our comparison tool allows you to explore deals from leading UK lenders, comparing interest rates, repayment terms, and borrowing criteria ,all in one place. Whether you’re buying premises for your business, expanding your portfolio, or refinancing an existing loan, we help you identify the most competitive and flexible commercial mortgage for your needs.
Mortgage Quote
Get Your Personalised Second Mortgage Quote Instantly
Want to know how much you could borrow for your next property investment? Our quick quote tool provides an instant, no-obligation estimate based on your business income and property value. With no impact on your credit score, you can explore your borrowing potential confidently and take the first step toward securing the right commercial finance for your goals.
Why Choose Contractor Mortgage Solutions for Your Second Mortgage?
Testimonials
What Our Clients Say
Priya K.
IT Contractor
I was hesitant about getting a mortgage as a limited company contractor. CMS simplified the process, explained all my options, and secured a deal that worked perfectly for me.
David M.
Engineering Consultant
Buying my first investment property seemed daunting. The team at CMS guided me based on my contract income, not just my accounts. The whole experience was transparent and professional.
Leah S.
Freelance Designer
CMS helped me consolidate my debts and expand my property portfolio. Their understanding of contractor finances is unmatched ,I finally felt supported by a lender who got my situation.
FAQ’s
Can contractors get a second mortgage if they have irregular contract periods?
Yes. We specialise in assessing your borrowing potential based on your average day rate over your contracts, not just the length of each contract. This allows us to secure mortgages even if your work varies from month to month.
Our Partners: https://mortgage-tek.co.uk/
Do I need company accounts or tax returns to qualify?
No. Unlike traditional lenders, we focus on your contract income and day rate. This means self-employed professionals and limited company contractors can access mortgage deals without submitting full company accounts or extensive paperwork.
How does being a limited company contractor affect my mortgage application?
Limited company contractors often face hurdles with high-street lenders. We work with specialist lenders who understand limited company structures and assess your personal and business income to find tailored mortgage solutions.
Can I refinance my existing mortgage as a contractor?
Absolutely. Whether you want to release equity, reduce monthly payments, or switch lenders, we find specialist options that take your contract income into account, often securing better rates than standard lenders.
Are commercial mortgages available for contractors looking to expand their property portfolio?
Yes. Contractors frequently use commercial mortgages to invest in office space, retail units, or semi-commercial properties. We match you with lenders who understand your income type and can offer flexible terms for portfolio expansion.
What if my contract income fluctuates significantly from year to year?
Specialist lenders we work with often consider a rolling average of your income rather than just a single year. This gives a fairer assessment of your borrowing potential, even if your income varies across contracts.
How quickly can I expect a mortgage offer once I apply?
While timelines vary by lender, our streamlined process and established relationships with specialist lenders often allow for faster assessments and approvals compared to traditional banks.
Can I get advice on structuring my mortgage to minimise tax impact?
Yes. Our advisers can provide guidance on structuring your mortgage efficiently, particularly for limited company contractors or self-employed professionals, ensuring your borrowing aligns with your financial and tax planning goals.