Getting a mortgage when you’re self-employed or working as a contractor can feel more complicated — but it doesn’t have to be. Lenders assess income differently for non-PAYE applicants, which means choosing the right lender is key.
At Northants Mortgages, we provide clear, practical mortgage advice for self-employed borrowers and contractors, helping you find lenders who understand your income structure.
How it works…
Mortgage lenders may assess income using:
- Company accounts or SA302s
- Salary and dividends
- Contract day rates
- Length of trading history
Different lenders have different criteria, and not all are suited to self-employed or contractor applications. As a whole-of-market mortgage broker, we know which lenders are more flexible and how to present your income clearly.
We regularly advise:
- Sole traders
- Limited company directors
- Contractors and freelancers
- CIS workers
Whether you’re buying your first home, moving home, remortgaging, or investing in property, we’ll match you with lenders who suit your circumstances.
Lets us help…
If you’re self-employed or working as a contractor and want mortgage advice tailored to your income, we’re here to help. We’ll guide you through the process by:
- Reviewing your income and documents
- Identifying suitable lenders
- Managing applications and paperwork
- Liaising with lenders on your behalf
At Northants Mortgages aim is to make the mortgage process clear, efficient, and stress-free.
"Simon sourced us a competitive mortgage despite our unusual financial circumstances.
He worked tirelessly to ensure that we got what he believed was the best deal for us and we are very happy with the product."
Got more questions?
No problem at all. We understand that applying for a mortgage when you’re self-employed or working as a contractor can feel complex. As experienced mortgage advisers, we’re experts in arranging mortgages for non-PAYE applicants and can guide you through your options with clear, straightforward advice. We’d be happy to speak with you either face-to-face or over the phone, so please feell free to get in touch.
