We take time to understand your income model, day rate, and career path.
Contractor Mortgages Built For You
Clear, specialist advice for contractors, freelancers, and self-employed professionals, with flexible options tailored to how you actually work.
Our Solution
Getting a Mortgage As A Contractor Can Be Frustrating
If you’re contracting through a limited company, umbrella scheme, or as a sole trader, you’ve probably heard the same thing:
“You don’t meet standard lending criteria.” That’s where we come in.
At AS Financial, we specialise in helping contractors secure mortgages based on their true income potential, not just salary or payslips. We look at your contract structure, your rate, your goals and turn complex rules into real possibilities.
We don’t just make it possible. We make it personal.
Speak To a Contractor Mortgage ExpertBefore You Apply: What Contractors Should Understand
We’ll walk you through all the things that matter, even the ones no one tells you about.
Your contract is valuable
You don’t need years of accounts, many lenders will accept your day rate as the basis for borrowing.
Structure matters
How you’re paid (Ltd company, umbrella, sole trader) changes which lenders are suitable – we help match you correctly.
Documentation is key
We’ll help you prepare the right evidence, so your application reflects your actual earning power.
You should speak to us early
The best time to get advice is before you speak to a bank or make an offer, so you understand your full borrowing potential.
Protection isn’t optional
As a contractor, you don’t get sick pay or redundancy cover; we’ll help you protect your income and lifestyle properly, without any sales pressure.
How We Help
Our Approach to Contractor Mortgage Advice
We’re one of the UK’s most experienced contractor mortgage advisers, not just because we know the rules, but because we understand the lifestyle.
We shape advice around your reality – flexible, honest, and pressure-free. Plus, we’ll guide you on protection where needed, because your income security matters too.
We can help, whether you’re:
Buying your first home on a contract role
Looking to remortgage after going self-employed
Investing in a buy-to-let with day rate income
Our Process
How We Guide You From Enquiry to Completion
Here’s what working with AS Financial looks like when you’re a contractor:
01/
We Learn About You
02/
Assess the Market
We search for contractor-friendly lenders, including specialist and niche providers.
03/
Strengthen Your Application
We help prepare your documentation to highlight your true earning potential.
04/
Protection Advice (Optional)
We talk honestly about income protection, life cover or critical illness insurance, if it’s right for you.
05/
Submit and Support
We manage the admin, liaise with lenders, and keep things moving.
06/
Long-Term Partnership
We’re not a one-time fix. We support future remortgages, property plans, and changes in your working life.
My bank turned me down even though I was earning well as a contractor. AS Financial took the time to understand how I worked, explained everything clearly, and got me a mortgage offer within weeks — based on my contract, not old accounts. They genuinely made it easy.
Jordan
Day Rate Contractor, Reading
Need Help
Contractor Mortgage FAQs
Is it hard to get a mortgage as a contractor?
It can be, if you go direct. We work with lenders who understand contractors – making it much easier.
Can I get a mortgage using my day rate?
Yes – many lenders calculate borrowing based on a daily or hourly rate if you’re in a contract role.
Do I need two years of accounts?
Not always. Depending on your contract and how you’re paid, you may not need traditional accounts at all.
Do umbrella contractors qualify too?
Absolutely. We regularly help umbrella and agency contractors secure mortgages – with the right approach.