My Contractor Mortgage

Specialists in Contractor Mortgages

020 4551 2123 enquiries@myfinancialservices.co.uk

MY FINANCIAL SERVICES

We are independent mortgage advisers based in Watford, Hertfordshire, covering the whole of the UK.  We are dedicated to providing a high quality mortgage advice for all types of mortgages. 

As well as standard mortgages for PAYE employed clients, we also specialise in mortgages for Daily Rate Contractors and Self Employed / Ltd Co Directors. In addition, we also focus on Mortgage Capacity Reports that can be presented in Court, for separation and divorce purposes. Our team of advisers are all CeMAP qualified and we are directly authorised by the Financial Conduct Authority (FCA).

OUR BRANDS

Why use us ?

  • Simple process
  • CeMAP qualified
  • Free assessment
  • No broker fee

We have a strong network of lenders who are more open to lending to freelancers and contractors based on your rate of pay, rather than your taxable income.

We have developed a range of methods that maximise the chance of your request being accepted.

What we do?

Start your journey

  • Signed contracts
  • Bank statements
  • 2yrs in your industry
  • Proof of ID & address

The process

Initial Assessment

We gather some basic details regarding your financial circumstance and requirements.

Agreement in Principle

We can approach a potential lender to run a credit check to see if they would be prepared to lend.

Submit Application

We formally apply to the lender, submitting all relevant information and documents.

Lender Review

The lender will review your application and supporting documents.

Property Survey

The lender will survey the property to confirm its value and that it is suitable security to lend against.

Mortgage Approved

Once approved, your lender will issue a Mortgage Offer document, which is the formal written confirmation that they are happy to lend.

Typically, this takes around 7 to 10 working days.

Purchase

Remortgage

Buy to Let

Some of our lenders

Santander
metrobank
Virgin-money
Nationwide
Kent-reliance
Axis-bank
Bluestone-mortgages
Bank-of-Ireland
Natwest
Halifax
Barclays
HSBC

I work crazy hours and I don’t have time to find a suitable mortgage product myself.​ The team at My Contractor Mortgage know the contractor market inside out and have helped me numerous times.​ Highly recommend!

Mr W Southwell

 – Contractor

Your home may be repossessed if you do not keep up repayments on your mortgage.