Contractor Mortgages

Your Guide to Finding the Best Mortgage Options for Contractors

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Contractor Mortgages

Secure the Best Contractor Mortgage with Ease

Getting a mortgage as a contractor shouldn't be complicated, but traditional lenders often don’t understand the unique nature of self-employment income. You might be wondering:

  • Can I get a mortgage without a fixed salary?
  • How do lenders assess my income as a contractor?
  • What are my best options for competitive rates and terms?

We specialize in Contractor Mortgages and are here to provide clarity and confidence throughout your mortgage journey.

Why Specialist Mortgage Advice Matters

Contractors face different challenges when applying for a mortgage. Many lenders apply rigid criteria that don’t reflect the way you earn, leading to unnecessary rejections or poor mortgage deals. Our expert mortgage advisors work exclusively with contractors, ensuring your application is assessed on its true merits - not outdated lending policies.

How We Help Contractors Like You

✅ Expert Guidance: We understand the complexities of Contractor Mortgages and know which lenders are best suited to your unique financial situation.
✅ Tailored Solutions: Whether you work under an umbrella company, operate as a sole trader, or run your own limited company, we connect you with mortgage products designed for contractors.
✅ Simplified Process: We cut through the red tape and make the mortgage process as smooth as possible, so you can focus on your work while we handle the details.

Start Your Mortgage Journey Today

Don't let traditional lending barriers stand between you and homeownership. Fill out our online form to book a consultation with one of our specialist advisors. We'll help you find the best Contractor Mortgage tailored to your circumstances - so you can secure your home with confidence.

Clients we’ve helped

What our customers say

  • Jody

    Verified customer

    YES FS are amazing!! They provided expert guidance and secured the best mortgage deal for me, despite my challenging credit history. Their team's dedication and clear communication made the process smooth and stress-free. Highly recommended!

  • Patricia Ajayi

    Verified customer

    Yes Financial is a very reliable company. The staff are friendly and honest. They always put the customers first. They did not give up on me since I approached them for mortgage until I became a homeowner.

  • Sam Yeboah

    Verified customer

    Yes financial were so helpful, they got me my first property after being denied many times elsewhere due to my poor credit score. I recommend to everyone.

  • J

    Verified customer

    Excellent service. Due to my circumstances I wasn't sure it would have been possible, yet from the very start - the team from Yes Financial Services delivered. There were hurdles along the way but it was clear that I wasn't alone to overcome them. Maximum support from each and everyone from Yes Financial.

Why People Like You Choose Us (And Not the Bank)

Because you deserve better than yes or no.

Most people get the same from the bank. a tick box. A maybe.
We do things differently.

  • We position your case properly

    Not just "apply" and hope.

  • We speak to lenders

    The way others can't.

  • We get people results

    That banks say no to.

Young family

You deal with one person. Start to finish.

  • No call centres.

  • No being passes around.

  • Your advisor stays with you start to finish.

We speak to lenders the way others can’t.

  • We don’t just press submit.

  • We speak to underwriters.

  • We sense-check your case.

  • We know which lenders will actually consider you.

We've helped thousands.

  • Complicated income.

  • Credit issues.

  • Unusual circumstances.

People who thought they wouldn't get a mortgage. And they did.

No pressure. Just a proper conversation.

You’re not committing to anything.

Just have a quick call with us and we’ll tell you:

  • What's possible.

  • What isn't.

  • And what your next step should be.

Get started

3 simple steps

  • { 01 }

    Tell Us a Bit About You

    Fill in the short form or request a call.

    It only takes a minute, and it gives us a starting point to understand your situation.

  • { 02 }

    Speak to Your Advisor

    We’ll have a quick, friendly chat to understand what you’re trying to do.

    No pressure, no commitment — just clear answers on what’s possible.

  • { 03 }

    We Handle Everything

    If you’re happy to move forward, we’ll take care of the process for you.

    From finding the right lender to getting your mortgage approved — we’ll guide you all the way through.

Trusted Lenders

  • Barclays
  • HSBC
  • Nationwide
  • NatWest
  • Santander
  • TSB