Mortgages for today’s flexible workers

My Hero

In recent years there has been a shift towards people contracting. Not only does it allow for more flexible working arrangements it can also provide an opportunity for increased earnings.

Many of our clients who are contractors working via a limited company or umbrella arrangement.

How we help contractors to get a mortgage

We look at every option. This means assessing your circumstances and the best way to present your income to a lender.

This can involve assessing your contracting history, be it looking at your day rate or alternatively looking at you as a self employed individual.

Whether you are contracting in law, IT, finance or the creative Industries, we can comprehensively and efficiently source the best rates for you from the whole of the market.

"They go above and beyond to keep you informed and walk you through these processes to get the best deals/outcomes for you."

Miss K Pentecost, London

Can I get a mortgage if I’m a contractor?

We have been able to obtain mortgages for clients who have been contracting for just 1 year.

Whether you are operating via a limited company, as a sole trader or PAYE, we can help find the best mortgage for you.

We can even obtain competitive rates if you have a mixture of all these forms of employment.

Low deposit schemes are also available for you if you are contracting and have a strong credit history.

We have long-established relationships with lenders. Because we have been working with them for years we are able to access favourable underwriting terms for our clients.

Once we have a mortgage in place we would need to address the importance to put in place some protection insurance.

We work with a number of accountants who provide a personalised service. They are able to advise around IR35 issues and look at the most tax efficient ways for you to operate.

We also have strong relationships with a number of solicitors who can assist with contract disputes; you can read more information in our associates section.

Regardless of your situation, we will do our utmost to provide the best advice for you. Contact us for an initial consultation at our expense.



We realise the varied nature of your work, and more importantly working hours, can make the simplest of tasks difficult to...



In recent years there has been a shift towards people contracting, with the format allowing flexible working arrangements and often...


Company Wills

Established by ij’s Principal, James Carter, Company Wills protects your company’s viability and maintains your future aspirations...



As our clients have grown with us and are looking at various forms of commercial funding, our expertise has also developed in these...