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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

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2.44% Lifetime Tracker 

  • Maximum LTV 80%
  • Overall cost for comparison 2.5% APRC

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

1.22% 2 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 3.30%
  • Interest only option

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 2 years after which reverts to NatWest variable rate of 3.59%.

Call RBS on 0800 068 7706

1.37% 5 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 2.80%
  • Interest only option

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 5 years after which reverts to NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

3.60% 2 Year Fixed 

  • 90% Loan To Value
  • Overall cost for comparison 3.60%

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to the variable rate of 3.59%.

Call us on 0800 068 8567

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.21%
Rate type: Fixed Jun-2023
Monthly cost: £583.53 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.21% Fixed Jun-2023 3.3% APRC 60% £1025.00 £350 cashback £583.53 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.22%
Rate type: Fixed Jun-2023
Monthly cost: £584.22 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.22% Fixed Jun-2023 3.3% APRC 60% £1025.00 £350 cashback £584.22 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.28%
Rate type: Fixed Jun-2026
Monthly cost: £588.40 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 2.8% APRC
NatWest logo 1.28% Fixed Jun-2026 2.8% APRC 60% £1025.00 £250 cashback £588.40 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.29%
Rate type: Fixed Jun-2026
Monthly cost: £589.10 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 2.8% APRC
NatWest logo 1.29% Fixed Jun-2026 2.8% APRC 60% £1025.00 £250 cashback £589.10 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.35%
Rate type: Fixed Aug-2026
Monthly cost: £593.30 per month
Max LTV: 65%
Product fee: £1300.00
Overall cost for comparison: 3.1% APRC
Virgin Money logo 1.35% Fixed Aug-2026 3.1% APRC 65% £1300.00 £300 cashback £593.30 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.44%
Rate type: Fixed Jun-2023
Monthly cost: £599.64 per month
Max LTV: 75%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.44% Fixed Jun-2023 3.3% APRC 75% £1025.00 £250 cashback £599.64 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.45%
Rate type: Fixed Jun-2023
Monthly cost: £600.34 per month
Max LTV: 70%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.45% Fixed Jun-2023 3.3% APRC 70% £1025.00 £250 cashback £600.34 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.68%
Rate type: Fixed Aug-2026
Monthly cost: £612.67 per month
Max LTV: 65%
Product fee: £305.00
Overall cost for comparison: 3.2% APRC
Virgin Money logo 1.68% Fixed Aug-2026 3.2% APRC 65% £305.00 £612.67 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.74%
Rate type: Fixed Aug-2026
Monthly cost: £621.06 per month
Max LTV: 75%
Product fee: £1300.00
Overall cost for comparison: 3.3% APRC
Virgin Money logo 1.74% Fixed Aug-2026 3.3% APRC 75% £1300.00 £1000 cashback £621.06 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.83%
Rate type: Fixed Jun-2023
Monthly cost: £623.44 per month
Max LTV: 60%
Product fee: £30.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.83% Fixed Jun-2023 3.3% APRC 60% £30.00 £623.44 per month get quotes Call direct0800 068 8567 More details
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Mortgages for Contract Workers

Mortgages for Contract Workers

Why Choose Us?

  • Whole of market service - we work with most UK lenders
  • We work with lenders who will provide lending based on your self employment as a contractor
  • Access to leading market mortgage rates
  • Access to exclusive loan deals not available on high street
  • Fast turnaround - speak to us today if you need to move quickly
  • We have lenders who will take into account previous defaults and missed payments 
  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To investigate your mortgage options as a contractor call our mortgage team on 0117 313 7780 or fill in our call back form.

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

Right Bullets

Compare Mortgages for Contract Workers

If you have a job which requires you to work on a contract rather than as a permanent member of staff, you may find that getting a mortgage is more troublesome than it might be for individuals in with a more conventional job set-up.

As a contract worker, you may be viewed by potential mortgage lenders as not able to offer evidence of an income that’s certain every month.  However, with contract working becoming increasingly prevalent, many mortgage providers are beginning to ease their restrictions on lending to contract workers.

Getting a mortgage as a contract worker

When you apply for a mortgage deal as a contract worker the lender you approach will consider several factors, one of which is the nature of your work. There are many different types of contract work nowadays, including:

  • Independently employed contractors with a long career history – if you can demonstrate at least one or two years’ worth of accounts and employment records, you may find that mortgage providers are more willing to lend to you on the terms you want.
  • People who are new to contract work and may have a shorter career history  - if you are new to contract work and don’t have at least 12 months’ work history to show, don’t despair as some mortgage providers will lend to you despite this.
  • Workers on a short term contract, fixed term contract or zero hours contract – If you have got a track record of at least one years’ income to your name in this kind of contract, you could find that it is possible for certain lenders to consider an application, providing that the income is sustainable and work is likely to continue to come in.
  • Workers on contract with an umbrella company – if you have been working in this way for at least a year or have had your contract renewed, this will help suggest to potential mortgage lenders that you have a stable employment record
  • Individuals in professional roles where contract work is common such as accountancy or engineering – being in a chartered or regulated profession may help your mortgage application as a contract worker.

To get more advice on how to get the best mortgage deals for contract workers, call us today on 0117 313 7780  to discuss your personal requirements or complete our callback request form. 

Mortgage Specialists

 

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Call 0117 313 7780 or Request Callback for our contractor mortgage service

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