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Contractor mortgages to suit your needs.

Common-sense lending for a range of contractors
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Flexible, common-sense mortgages for contractors

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.

We could lend to contractors with a variety of working patterns, including:
  • Fixed-term contract
  • Long-term contract
  • Zero-hour contract
  • Agency contract
  • Renewable contract
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How contractor mortgages work

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.


Mortgage Repayment Calculator

Do you want to quickly understand the potential cost of your mortgage?

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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Common questions about contractor mortgages

Can I get a mortgage as a contractor?

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.

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Your home may be repossessed if you do not keep up repayments on your mortgage. All mortgages are subject to our terms and conditions.


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

You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments.