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Unlock Your Dream Home with Specialist Contractor Mortgages
Are you a contractor struggling to secure a mortgage? Traditional lenders often don’t understand your income structure, making it challenging to get the loan you deserve.
At Expert Mortgage Solutions, we specialize in finding the perfect mortgage for IT professionals like you.
We offer 100% FREE service for IT Contractor Mortgages.
✅ Tailored Mortgage Solutions – We work with lenders who assess your full income potential, not just your latest payslip.
✅ Higher Borrowing Power – Secure a mortgage based on your contract rate rather than just your take-home salary.
✅ Exclusive Lender Access – Gain access to mortgage deals that aren’t available on the high street.
✅ Hassle-Free Process – We handle the paperwork and negotiations, ensuring a smooth and stress-free experience.
✅ Self-Employed & Ltd. Company Specialists – Whether you operate as a sole trader or through a limited company, we have solutions designed for you.
We do not store your details to send you any marketing. Your security is paramount to us and we take necessary steps to ensure your safety, namely incorporating an SSL authentication on the site represented by the padlock in the URL bar and our privacy policy.
Many lenders struggle to understand how contractors are paid, which can lead to unnecessary hurdles. You may find they limit your borrowing potential, impose higher interest rates, or even reject your application—all simply because you operate through a limited company.
It’s frustrating, isn’t it? Despite earning more than many salaried employees and having stable finances, your tax-efficient income structure—combining salary and dividends—can make lenders view you as a higher risk. Worse still, if you’ve taken advantage of tax-saving strategies like R&D credits, some lenders may mistakenly see you as less capable of repaying a mortgage.
If you’ve faced these challenges, you know how discouraging it can be. You might even feel pressured to increase your salary or dividends just to satisfy outdated lender requirements, leading to unnecessary tax costs.
Join us at Expert Mortgage Solutions and meet the team that will help you navigate the complexities of the mortgage market. Our experts are here to provide you with the best advice and personalized solutions.
Expert Mortgage Solutions is a trading style of Lending Choice Limited which is registered with the Data Protection Act 1998 registration number ZB381165 and is authorised and regulated by the Financial Conduct Authority under registration number 1010891. We are a credit broker, not a lender. We may receive commission from the lender and this amount varies between lenders. The nature of any commission model will be confirmed to you before you proceed. Registered Office: 111A Links House, Main Road, Romford, RM2 5EL. Tel: 020 3488 3488 Registered in England & Wales. Company Registration Number 14090989 Your home may be repossessed if you do not keep up repayments on your mortgage.
