Watford, UK

02038278560

info@contractormortgagesolutions.co.uk

Contractor Mortgage Solutions
Contractor Mortgage Solutions

Watford, UK

02038278560

Expert Mortgage Broker Luton

Specialist Mortgage Solutions Luton

Looking for a mortgage broker in Luton who truly understands how contractors work? At Contractor Mortgage Solutions, we specialise in helping contractors, freelancers, and self-employed professionals secure the mortgage they deserve – based on your day rate, not outdated paperwork. Whether you're a first-time buyer or a seasoned investor seeking a buy to let mortgage broker in Luton, our team offers tailored, jargon-free advice and exclusive deals not available on the high street.
No Obligation, Just Free Advice – Reach Out Today!

Curious About How Much You Can Borrow?

Find out in seconds how much you could borrow in Luton based on your day rate. It’s quick, easy, and designed with contractors in mind. Note: This is only an estimate. For a detailed affordability review, speak to a qualified independent mortgage broker in Luton from our team. We work directly with contractor-friendly banks and underwriters, helping you bypass outdated income proof requirements. You won’t need to show tax returns or company accounts – we assess affordability purely on your current contract rate. In Luton’s competitive housing market, understanding your borrowing capacity is essential. Whether you're buying your first home, remortgaging, or planning a buy-to-let investment, our expert Luton mortgage brokers are here to support you.

First Applicant

£
£

Your Estimated Borrowing Amount

£0
Based on your income details, this is an estimate of how much you might be able to borrow.

We work with more than 120 mortgage lenders, including:

Compare Mortgages Now!
Get Instant Mortgage Quote!

Tailored Mortgage Solutions in Luton

As a specialist mortgage broker in Luton, we offer a full range of services to suit your situation. Our expert brokers offer tailored guidance, step-by-step support, and access to mortgage products that work with your contract structure – not against it.

First-Time Buyer Mortgages in Luton

Buying your first home in Luton? We make it simple. We help contractors secure mortgages based on your day rate – no PAYE slips, no accounts, no stress. From agreement in principle to completion, we’ll guide you through every step and maximise your borrowing potential.

Remortgage in Luton

Already own a home? Let us help you remortgage smartly. Our Luton mortgage brokers can help you reduce your rate, release equity, or switch to a more flexible product – even if your income doesn’t fit traditional models. We handle the paperwork while you enjoy the savings.

Buy to Let Mortgage Broker Luton

Investing in property? We specialise in buy to let mortgages in Luton for contractors and limited company directors. We work with lenders who understand the landlord market and contractor incomes – helping you grow your portfolio with confidence.

Home Mover Mortgages in Luton

Moving within or to Luton? We’ve got your back. We’ll assess your current mortgage, compare new options, and ensure your next move is financially sound and stress-free. All while respecting your contract income.

Self-Employed Mortgages in Luton

Don’t fit the mould? That’s where we shine. Our team helps sole traders, freelancers, and directors of limited companies get mortgage-ready – even without full-year accounts. We make sure your real income is considered.

Professional Mortgages for Contractors in Luton

If you’re a dentist, doctor, IT consultant, or engineer in Luton, our independent mortgage brokers offer specialist deals just for you. We understand your contract terms and offer flexible mortgage options with competitive rates designed for professionals.

Life Insurance for Mortgage Protection in Luton

Buying a home is a big milestone. As an independent mortgage broker in Luton, we always recommend life insurance to cover your mortgage. This way, your family won't face financial strain if you're no longer there to support them.

Critical Illness Cover in Luton

A sudden illness can stop your ability to earn. We provide access to critical illness cover tailored for Luton contractors — helping you get a lump-sum payment upon diagnosis of a serious condition, so you can focus on recovery without financial pressure.

Income Protection service in Luton

Contractors don’t get sick pay — that’s why income protection insurance is vital. We arrange cover that replaces a portion of your income if you can’t work due to illness or injury. It’s a key safeguard for those working contract to contract in Luton.

Private Medical Insurance in Luton

Get faster access to private healthcare when you need it most. With private medical insurance, you avoid NHS delays and get the treatment you need to return to work quicker – a smart choice for any contractor managing deadlines and deliverables.

Business Insurance for Contractors in Luton

If you're working through a limited company or as a sole trader, having the right business insurance is essential. We help contractors in Luton protect against professional liability, equipment loss, and potential legal claims – so you can focus on your projects with full confidence.

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

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, 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.

Compare Now
Mortgage Quote

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 specialize 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 with confidence. Get a personalized quote in minutes and take the next step toward securing your dream home.

Get My Quote

Client testimonials from Luton and nearby

Mortgage Broker Luton
Fee Jav

Client

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.

Mortgage Broker Luton
Goretty Dias

Client

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!

Mortgage Broker Luton
Layla De Freitas

Client

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!"

View All Reviews

Why We’re Different – We Work with Your Day Rate, Not Your Tax Returns

At Contractor Mortgage Solutions, your trusted independent mortgage broker in Luton, we understand the local market and what matters to contractors. With years of experience across Bedfordshire, we offer advice based on your day rate — no tax returns or company accounts needed. We deliver clear, tailored mortgage solutions for contractors. Whether you're buying your first home, remortgaging, or building a property portfolio, we help you access exclusive deals you won’t find on the high street. Our expert team brings local knowledge, a friendly tone, and a no-jargon approach — guiding you every step of the way so you can move forward with confidence.
Find Out How Much You Can Borrow
Mortgage Broker Luton

Looking to speak with your local mortgage broker in Luton?

Don’t let old-school lending rules stop you. Let’s secure your mortgage based on your personal circumstances and get you on the path to homeownership today.
Great, Let's Get Connected