We help contractors borrow what they need at a great rate
Don’t think you can borrow enough? We’ll help, all income sources considered
5% Deposit, borrow based on your day rate or contract
Best Contractor Mortgage
We Can Get You A Great Deal
Find Out If You Qualify Today
Quick & Easy No Credit Checks
Over 3145 reviews. Rated as Excellent
Trusted by over 7722 people to arrange their mortgage
Rated Excellent on Independent review sites
Tailored made deals
We understand the contractor mortgage market. From familiar high-street banks to exclusive specialist lenders, you’ve never heard of, we work with the top banks to improve your choice and chances of getting a great deal.
Why Us
Specialist Mortgage Advisors
Experts in contractor mortgages. We specialise in helping the unique, the trailblazers, and the complex.
Free consultation & No-obligation
Free, no-obligation chat. Find out what your options are
Advisers on Hand until 10pm
Support staff and brokers are available until 10pm. Over 75 members to help you
Contractor Mortgages – Made Simple
Working as a contractor can be stressful, the last thing you need is to have to search around for a good mortgage deal. Simply Lending can help.
Our professional mortgage brokers have years of experience helping contractors like you secure the home mortgage loan they’ve earned. Working as a contractor can be stressful, the last thing you need is to have to search around for a good mortgage deal. Simply Lending Solutions can help.
Our professional mortgage brokers have years of experience helping contractors like you secure the home mortgage loan they’ve earned.
Typical problems Contractors face when getting a mortgage
We understand the obstacles Contractors often face when seeking a mortgage. Let our dedicated team of mortgage specialists guide you through the challenges that contractors commonly encounter
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Contractors who experience extended periods between contracts may find it more difficult to secure a mortgage, as lenders may perceive this as a sign of income instability. Demonstrating a consistent income stream and maintaining financial reserves during these gaps can help mitigate the lender's concerns. Our specialist brokers can work with you to find lenders that better understand the unique nature of contractor income and are more willing to accommodate longer gaps between contracts
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Contractors may lack a long and consistent work history, leading to hesitation from lenders when reviewing mortgage applications. As specialist brokers, we have some lenders that have no minimum contracting requirements experience
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Some lenders may require contractors to meet minimum day rate thresholds to qualify for a mortgage. This can pose a challenge for contractors whose day rates fall below these levels or those who have recently experienced fluctuations in their rates. Our specialist advisers are familiar with lenders who have more flexible day rate requirements or who consider a wider range of income factors. We can help connect you with these lenders and find mortgage options that better align with your specific income situation
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Contractors operating through limited companies, partnerships, or other business structures may find it challenging for lenders to assess their personal income and mortgage eligibility. Our specialist brokers offer guidance on how lenders determine your income and recommend the most suitable options tailored to your unique financial situation
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Some lenders may not be familiar with the umbrella company model and may not recognize the income structure as stable or reliable, leading to difficulties in securing a mortgage
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Like any other applicant, contractors can face challenges when they have a poor or limited credit history, which can negatively impact their mortgage approval chances. We can help find mortgage options that better align with your specific income situation and credit profile
Mortgage steps
Not every customer is the same. We have a track record of helping thousands of people get the mortgage they deserve
Get in touch - we’ll ask about your circumstances and goals, to see how we can help. We love a challenge and specialise in helping when it’s tricky.
Decision made - when you are ready to proceed your personal mortgage team of underwriters and support staff work tireless on your application and paperwork, to ensure your case is approved quickly
Options - we’ll explain your options, fees involved and important details, allowing you to make an informed decision. There are no upfront fees, and there’s no obligation to proceed.
Types of Contractors we can help with
Contractors come in all shapes and sizes. They work in all types of industries, but whether they are building contractors or IT contractors they all face the same challenges when they come to search for a mortgage.
Common types of contractors we can help with;
1 -Professional contract (IT, Consultant or Management Contractors)
2 - Fixed term contractors
3 - Agency Contractors
4 - Sole trading & Limited companies contractors
5 - Umbrella contractors
6 - Construction Industry Scheme (CIS):
Simply the Best!!
Where do I start! I'm Self Employed, I have limited company accounts and my credit score isn't perfect. I spoke to my normal trusted financial advisor who did his best but could only obtain 60% of the required loan amount through his network of lenders. I then spoke to a friend who is an IFA and he wanted to charge me a load of money upfront just to look at the case. I then found Simply and they took on the challenge on a no-mortgage offer no fee! (I had nothing to lose) Henri, Charlotte ( and I must mention John Hall) all got behind my application and moved heaven and earth to get me that magical offer. This isn't a quick process but its thorough. The team went through all my paperwork (accounts, HMRC returns, bank statements) and chose to place my application for the correct lender. They don't use a scatter gun approach and targeted my application with the best lender for our circumstances.
Long story short,
Other IFAs 0
Simply 1
P Jones
27 June 2022
