Mortgage Advice
Discover mortgage products specifically tailored for you.
Whether you’re looking to buy your first home, move house or create a new source of income with a rental property, we’ll help you find the mortgage to match.
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Speak to an expertExpert Mortgage Advice for Contractors, Freelancers & Business Owners
Getting a mortgage shouldn’t be harder just because you don’t fit into a standard 9-to-5 job. At Broadbench, we specialise in helping contractors (both inside and outside of IR35), freelancers, limited company directors, and self-employed professionals access the right mortgage for their circumstances—whether you're buying your first home, moving, remortgaging, or investing in property.
We understand that your income might come from dividends, day rates, or project-based contracts—not payslips or predictable monthly salaries. That’s why we work exclusively with mortgage lenders who recognise the unique earning structures of independent professionals. With years of experience in contractor mortgages and access to a wide range of specialist lenders, we can help you secure the property finance you need, without jumping through unnecessary hoops.
We regularly help clients with:
- Mortgages for limited company directors
- Self-employed and freelancer mortgage advice
- Day rate contractor mortgage deals
- Buy to Let mortgages for business owners
- Remortgages for high earners without PAYE income
Where most banks see complexity, we see opportunity.
First-Time Buyer
Buying your first home is exciting—but for contractors, freelancers, or limited company directors, the process can feel needlessly complex. Traditional lenders often rely on payslips and fixed salaries, which means your income structure may not fit their criteria. That’s where we come in.
At Broadbench, we specialise in first-time buyer mortgages for contractors, freelancer mortgage advice, and self-employed mortgage support. We help translate your day rate, dividend income, or contract history into a format lenders understand—making it easier for you to step onto the property ladder with confidence.
So if you are seeking a first-time buyer contractor mortgage, self-employed mortgage advisor UK or freelancer home loan options we have you covered.
Find out moreHome Mover
Moving house shouldn’t be harder just because you run your own business. If you're a contractor, small business owner, or freelancer looking to move, you’ve likely encountered lenders who don't understand your income model or ask for years of accounts that you may not have.
At Broadbench, we offer home mover mortgages for limited company directors, remortgaging while moving home, and day-rate contractor solutions. We work with flexible lenders who assess your true affordability—not just what’s on your last tax return.
So, if you want a moving home mortgage for contractors, mortgage when changing property self-employed or simply business owner mortgage advice you've come to the right place.
Find out moreRemortgages
Whether your fixed deal is ending, you're looking to unlock equity, or you just want a better rate, remortgaging can be a smart financial move. But if you’re self-employed, a freelancer, or a contractor with irregular income, finding the right lender can feel like a maze.
Broadbench makes it simple. We specialise in remortgage advice for limited company directors, day-rate contractors, and portfolio landlords. We help you remortgage on your terms—even if you don’t have years of accounts or a fixed salary.
If you are interested in contractor remortgage options, remortgaging for self-employed, or remortgage limited company director then we're here to assist you in getting the very best deal.
Find out moreBuy to Let
Investing in property is a powerful way to grow your wealth—but getting a buy-to-let mortgage as a contractor or self-employed investor can be tricky. Many high street lenders require traditional employment history or restrictive affordability criteria.
We help you find buy-to-let mortgages for business owners, freelancers, and contractor landlords who want to make their money work harder. Whether you’re buying your first investment property or expanding your portfolio, we can match you with lenders that understand your income and goals.
Find out moreLet’s Get You Mortgage-Ready
Whether you're looking to step onto the property ladder, upgrade your family home, refinance for a better deal, or expand your property portfolio, our advisers are here to help. At Broadbench, we don’t just match you with a mortgage—we partner with you to make your property goals possible.
We’ll translate your income structure into terms lenders understand, helping you avoid rejections, wasted time, and stress. And because we’re completely independent, we can search the whole market to find the best possible mortgage deal for your situation—not just a one-size-fits-all solution.
Why Broadbench?
- Experts in mortgages for freelancers, contractors, and self-employed professionals
- Specialist advice on mortgages for business owners and directors
- Access to niche lenders that understand complex income
- Five-star rated service with real-world expertise
Get started today—let’s turn your income into the keys to your next home.
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Our expert advisors have the skills and experience to find you the right financial products. Fill out the form below, and we’ll be in touch right away.
FAQs
What is an independent professional mortgage?
It’s a standard mortgage but assessed differently. Lenders consider your annualised contract rate instead of traditional income methods, helping independent professionals borrow based on true earnings. A specialist broker can help you access competitive rates.
Can I get a mortgage if I earn a day rate, rather than PAYE?
Yes. Of course, there are factors that impact a contractor’s eligibility, but just by being self-employed, you should not expect to be turned down by a lender as long as they understand contractors and contracting. However, factors that would prevent anyone from securing a mortgage, such as a poor credit history or a bad payment record will apply just as much. to contractors as to employees.
Can I get a mortgage if I have only just started contracting?
Yes! As long as we can see you’ve got a history in the same line of work and in the same industry in which you are now contracting, there are lenders who accept new contractors.
What is a freehold?
The freeholder of a property owns it outright, including the land it’s built on. If you buy a freehold, you’re responsible for maintaining your property and land, so you’ll need to budget for these costs. Most houses are freehold but some might be leasehold – usually through shared-ownership schemes.
Why should I use a specialist Contractor broker?
By all means, go to a high street lender to satisfy your curiosity, but in most cases, the lender will have issues with how income reaches the contractor. High street lenders understand dividends, but business owners, professionals and contractors who are tax efficient and only draw down a minimum salary and dividends to meet their needs won’t look good. Specialist brokers like us go to the same lenders you see in the high street but at the head office underwriter level. This means they are speaking to people with a bigger lending mandate and a knowledge of this sector contractors, and they use the contract to define a contractor’s income.
Do I need three years of company accounts before I apply?
Lots of contractors have the misconception that they cannot get a mortgage without three years of accounts. Whereas that might have been the case several decades ago, this is certainly no longer true.
What is a key facts illustration?
A key facts illustration, or ‘KFI’, is a document given by a lender that details all of the important information relating to your mortgage and loan. It is specific and tailored to you and should be checked over before your full mortgage application is made by your adviser.
Do I qualify to be assessed for a mortgage on contract value?
Lenders who specialise in mortgages for those earning a day rate typically assess the amount that can be borrowed on the annualised contract value. Each client is evaluated on the basis of their personal circumstances, generally, they can borrow a multiple of their annualised contract value.
However, they need to be in a contract at the time of the application and must be able to demonstrate continuity. A contractor applying with their first contract can get a mortgage as long as they have had continuity of employment before approaching the broker.
