Lending decisions are based on lending criteria and, where applicable, subject to credit check and an assessment of individual circumstances.
Being a contractor or a freelancer can offer you flexibility and independence. But when it comes to buying a home and looking for a mortgage, you might find a few challenges in your way if your monthly income isn’t as regular or consistent as that of a permanent employee.
Here at Together, we believe that accessing the finance you need shouldn’t be a barrier, but should help you to achieve your property goals. And that’s why our common-sense approach to lending is as flexible as you are.
We’ll work with you to understand your individual circumstances, and we can take up to 100% of your income into account when you apply for a contractor mortgage. We won’t rely on algorithms or credit scores to make our decisions. Instead, we’ll look for ways to say ‘yes’ and deliver the contactor mortgage that’s right for you, so you can buy the property of your dreams.
Much like you, we’re trusted because of our experience – and we’ve been making common-sense lending decisions for nearly 50 years. Our skilled underwriters may ask to see evidence of your contract, additional proof of income, and references to make sure that your mortgage is affordable and right for you.
So if you’ve got property ambitions this year, we could help you reach them.
Do you want to understand the potential cost of your mortgage or loan?
We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.
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As a contractor, it can be more difficult to get a mortgage, but certainly not impossible. The process is similar to that if you’re self-employed, and we’ll consider a range of applicants with varying contract lengths, including zero-hour contracts.
At Together, we’ll work with you to understand your individual circumstances, and we can take up to 100% of your income into account when you apply for a contractor mortgage.
Specialist lenders like ourselves also look more favourably on contract or freelance workers if they can demonstrate a solid and stable working history, even if they have taken up different contracts or moved into different sectors, or have multiple sources of income.
All mortgages are subject to our terms and conditions.
Loans offered by Together Commercial Finance Limited are not regulated by the Financial Conduct Authority.