Contractors and professionals mortgages

Contractors and professionals mortgages

Harmony FS offer expert mortgage advice for contractors and professionals looking to purchase their own home.

Although you’re considered to be employed, contracts both long and short can make it difficult for you to get a mortgage on the high street. Many lenders see the uncertainty of your financial status as a risk and may choose not to lend to you.

Using our knowledge of the mortgage market and access to the full range of lending options, including deals only available to brokers, we can arrange mortgages for:

• Doctors and locums
• NHS mortgages (link to nhs mortgages page)
• Solicitors
• Commercial and industrial contractors
• Consultants
• Day-rate contractors/IT consultants

Mortgage advice for contractors and professionals

While many people believe that you can’t get a mortgage if you’re a contractor, there are actually many lending options available if you know where to look.

By gaining an in-depth understanding of your history, expenses and contract renewals, we’ll develop a clear picture of your annual income and what suits your needs. We can help you to find lenders that are willing to take the bigger picture into account.

Seeking advice from an expert mortgage advisor will put you in the strongest position to approach a lender without fear of being turned down. Rejections can negatively affect your credit score and will make the process even harder next time.

Your mortgage journey with Harmony FS

We’re here for to support you through the confusing mortgage application process.

Here’s what we do to make sure we can find the best mortgage for contractors.

1. Talk to you about your requirements and figure out what you need from a mortgage.
2. Assess your income, expenses and contracts to determine what you can afford.
3. Explain the different types of mortgage and their associated costs.
4. Work with you to find the best mortgage to suit your needs.
5. Provide you with full mortgage illustrations and complete the application for you.
6. Advise on insurance and recommend a solicitor.
7. Take care of the full application process, liaising with the lender on your behalf.

Let us help you find a mortgage

Harmony FS have helped many people to find a great deal on a mortgage, and we’d like to do the same for you.

For friendly, impartial mortgage advice for contractors and professionals, get in touch with us today.