Unlock Smarter Contractor Mortgages with LendInvest
LendInvest is known for its innovative approach to property finance — offering flexible mortgage solutions tailored for contractors, freelancers, and self-employed professionals. Whether you’re purchasing, remortgaging, or investing in property, LendInvest provides fast decisions, modern underwriting, and access to exclusive deals designed around your contract income.
We work with more than 120 mortgage lenders, including:
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We partner with banks and underwriters to navigate the complex landscape of contracting and simplify the process of using contract earnings alone for affordability assessments.
In today’s dynamic housing market, understanding your borrowing power is essential. As a trusted mortgage broker in Watford, we help contractors, freelancers, and self-employed professionals find clarity and confidence in their borrowing options. Whether you’re a first-time buyer, looking for a buy-to-let mortgage, or seeking to remortgage, we’ll help you secure the right deal through our partnerships with lenders like LendInvest.
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Why LendInvest Mortgages is a Great Option for Contractors
LendInvest stands out as one of the UK’s most forward-thinking lenders, offering tailored mortgage solutions specifically for contractors and self-employed individuals. Unlike traditional banks, LendInvest embraces flexible underwriting and leverages technology to make mortgage decisions faster and more accessible.
LendInvest’s lending criteria are particularly beneficial for contractors earning through limited companies or umbrella structures. Their experienced underwriting team evaluates your contract rate rather than relying solely on traditional accounts or payslips, helping more professionals qualify for competitive mortgage rates.
In addition, LendInvest offers attractive options for buy-to-let investors and residential borrowers, with products that accommodate short-term assignments, complex income structures, and property portfolio expansion. Their commitment to transparency, flexibility, and speed makes them an excellent choice for modern-day contractors seeking property finance solutions without unnecessary hurdles.
Essential Checklist for Securing a LendInvest Contractor Mortgage
If LendInvest seems like the right fit, we at Contractor Mortgage Solutions can assist with your application. Here’s what you need to know:
Contract Requirements
LendInvest typically requires contractors to demonstrate a consistent work history in their industry. You’ll usually need at least 6 to 12 months of contracting experience, with a minimum of 3 to 6 months remaining on your current contract or evidence of renewal.
Income and Affordability
Income is assessed based on your day rate multiplied by a 46 or 48-week period, depending on your contract terms. LendInvest accepts income in GBP and has a minimum income threshold of around £50,000 annually for most residential and buy-to-let cases.
Documentation for Limited Company Contractors
If you operate through a limited company, you’ll need to provide:
- The latest 3 months of business bank statements
- The latest personal bank statement
- A copy of your current contract
Documentation For Umbrella Contractors
Umbrella professionals should prepare:
- The last 3 months’ payslips from the umbrella company
- The latest 3 months of personal bank statements
A copy of the current signed assignment
For PAYE or Hybrid Contractors
If you split your income between contracting and PAYE roles, evidence of both streams is required — including payslips and contract documents.
Credit History and Financial Conduct
LendInvest prefers applicants with a solid credit profile. Generally, they accept up to 1 missed secured payment or 2 missed unsecured payments within the last 24 months, provided the overall credit behaviour remains responsible.
By meeting these criteria, you can benefit from LendInvest’s fast application process, often moving from application to offer in just a few weeks.
Compare & Find the Right Mortgage for You
Don’t settle for less—explore, compare, and secure the best mortgage deal tailored to your needs.
Mortgage Comparison
Find the Right Mortgage in Minutes
Finding the right mortgage can be overwhelming, but we make it simple. Our mortgage comparison tool lets you explore options from top lenders, including LendInvest, ensuring you get the best deal for your situation. Whether you’re a contractor, self-employed, or a first-time buyer, you can compare interest rates, loan terms, and monthly payments all in one place. Get a clear breakdown of costs and repayment terms before making your decision. With tailored solutions for contractors, securing the right mortgage has never been easier.
Mortgage Quote
Personalized Mortgage Quote, Instantly
Want to know how much you can borrow and at what rate? Our mortgage quote tool gives you a quick, no-obligation estimate based on your income and financial profile. We specialise in contractor mortgages, ensuring you get access to exclusive rates designed for self-employed professionals.
With no impact on your credit score, you can explore your mortgage options confidently. Get a personalised quote in minutes and take the next step toward securing your dream home.
Partnering with LendInvest for Seamless Contractor Mortgages
At Contractor Mortgage Solutions, we work closely with LendInvest’s underwriting team to ensure your application is smooth and efficient from start to finish.
The process begins with an initial assessment of your financial profile, including key documents such as proof of income, recent contracts, and bank statements. Once we receive these, we submit your application directly to LendInvest’s underwriters for a quick review.
Thanks to our established partnership, most clients receive a Mortgage in Principle (MIP) within 24 hours, followed by a full mortgage offer within 2 to 4 weeks. LendInvest’s technology-driven systems and contractor-friendly criteria allow for faster decisions, reduced paperwork, and transparent communication throughout the journey.
Whether you’re purchasing your first home, remortgaging, or expanding your property portfolio, our team ensures that your application is handled with precision and care — helping you secure approval efficiently.
FAQ’S
Does LendInvest offer mortgages for contractors?
Yes. LendInvest provides flexible mortgage solutions specifically for contractors, assessing income based on your day rate rather than traditional payslips.
Can LendInvest help with buy-to-let mortgages for contractors?
Absolutely. LendInvest is one of the UK’s leading buy-to-let lenders, offering tailored mortgage products for contractors investing in property.
How long does it take to get a mortgage with LendInvest?
With our assistance, many clients receive a Mortgage in Principle within 24 hours and a full offer within 2–4 weeks.
Does LendInvest accept umbrella or limited company contractors?
Yes. LendInvest accepts applications from both umbrella and limited company contractors, provided the documentation meets their income verification standards.
Can I apply if I’ve had minor credit issues?
Yes, minor credit blips are acceptable as long as there are no serious arrears or defaults. Each case is reviewed individually.