Borrow More
Up to 5.5x income
Exclusive Rates
With 10,000 products
Save
Time
We handle the leg work
Fast Decisions
Approved in 24hrs
If you’re on a fixed-term contract, paid through CIS, or earning a day rate in IT, getting a mortgage can feel like an uphill battle. Many high street lenders are still built around the idea that everyone gets a regular salary and payslips. So when they see a contract, limited company setup, or tax-efficient income, they hesitate. The result? You could be told you can’t borrow as much as you need, face higher interest rates, or get turned down altogether.
It doesn’t seem fair, does it? Especially when you know your income is strong, often higher than many permanent employees and your finances are stable. But because you pay yourself through a mix of salary and dividends, or make use of legitimate tax-saving strategies like R&D credits, traditional lenders may view you as a higher risk, even when you’re not.
You might have even felt pressure to increase your salary or dividends just to please a lender, sacrificing your tax efficiency in the process. It’s frustrating, outdated, and unnecessary.
At The Residential Mortgage Hub, we do things differently
We specialise in helping contractors access the mortgage market without needing to change how you’re paid. We work with a wide panel of over 100 lenders, including those who are comfortable using your income stream to calculate affordability. That means you could borrow up to 5.5x your income, without needing to alter your company structure or tax setup.
We work with underwriters who understand how much contractors really earn and who are ready to say yes when some banks say no.
As a whole-of-market broker, we’ll guide you through every step of the process: sourcing the best deal, preparing your application, and handling all the paperwork. So you can focus on your work, your family, and everything else that matters, without the stress of navigating outdated lending criteria.
Getting started is easy
Just fill out our short online form, and we’ll be in touch to talk through your options, at a time that suits you, including evenings and weekends.
Take the Next Step
1. Fill out our quick enquiry form
2. Speak with a contractor mortgage specialist
3. Discover the lenders ready to support your goals
Take the First Step Today
Fill out our quick enquiry form or give us a call to set up an initial chat.
or call us on: 01634 968111
Why Choose Us?
As Experts in Contractor Mortgages we bring these benefits.
Borrow More
At The Residential Mortgage Hub, we specialise in helping contractors borrow more, up to 5.5x your income. Whether you’re CIS, on an IT day rate, or on a fixed-term contract, we work with lenders who understand your income structure and can offer higher borrowing limits than most mainstream banks. We’ve built strong relationships with specialist lenders and their underwriters. These are the real decision-makers who understand how contractors are paid, we connect you with lenders who are ready to say yes.
Exclusive Rates
We have access to over 10,000 mortgage products, including exclusive deals you won’t find by going direct to lenders. This gives you a wider choice and better opportunities to secure the right mortgage, so you save money and afford the house you want.
Our smart technology and in-depth market knowledge allow us to quickly identify the lenders and products most suited to your circumstances. That means less time searching, fewer rejections and securing your home.
Save Time, Stress-Free
We’ve spent years helping contractors secure mortgages, so we know which lenders understand CIS, fixed-term, and IT day rate income. By going straight to the right lenders, we save you from wasted applications and protect you from unnecessary credit checks. Our stress-free process keeps things simple, so you can focus on moving into your dream home.
Fast Decisions
We understand that speed matters, especially when your dream home is at stake. That’s why we’ve built streamlined processes designed to deliver results quickly. Once we have your key details, we aim to secure a Decision in Principle within 24 hours, giving you the confidence to secure your home quickly..
What Our Customers Say
Getting a mortgage with our help is really simple
Get in touch
Complete the 30 second form or give us a call.
We’ll look for a great mortgage
Tell us about your situation and we’ll start your search.
We’ll support you from start to finish
We’ll advise you on options and help you choose the right one.
..until you get the keys to your dream home
We stay with you until you move in.
Mortgages for Contractors
What You Get
Borrow
More
Up to 5.5x income
Exclusive
Rates
With 10,000 products
Save
Time
We handle the leg work
Fast
Decisions
Approved in 24hrs
Take the First Step Today
Fill out our quick enquiry form or give us a call to set up an initial chat.
or call us on: 01634 968111