Mortgages for Contract Workers

Mortgages for Contract Workers

Mortgages for Contract Workers - Mortgage for contract workers are mortgages which can be secured by contract workers and temps. As with other products within the mortgage market, mortgages for contract workers have become more difficult to secure since the credit crunch, as lenders have tightened criteria to reduce exposure to the market. In addition, self-certification mortgages for contract workers are no longer available, putting contract workers at a significant disadvantage compared with employed workers when applying for a mortgage.

Many first time buyers may be contract workers without a lengthy employment history. Some contract workers, such as consultants, may be relatively high earners. The difficulty in projecting future income to lenders of mortgages for contract workers can prevent many from securing a mortgage which reflect their earnings. This is where we can assist.

At Capital Fortune, we understand the issues that face contract workers seeking mortgages. Our knowledge and expertise allows us to match your individual circumstances to the right lender of mortgages for contract workers with the right product. We carefully analyse the available deals for overall suitability and cost effectiveness. Importantly, we carefully match your financial situation with lenders that are likely to accept your application.

Call our mortgage broker team now on 020 77 100 400 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

How to get in touch

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Residential - Purchase - Best Buys


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Barclays Bank 2 Year Tracker £1999 Fee Purchase No ERC BWO0.99%Tracker2 years 3.74%3.4%APRC £199960%
Product Code: 001D4T
Product Name: 2 Year Tracker £1999 Fee Purchase No ERC
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 0.99
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.4
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 459.23
Monthly Payment After Initial Period: 612.73
Fees Total: 2114.00
True Cost: 0.00
True Cost Over Initial Period: 11136.52
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 126.00
Lender Product Reference: AR50
Detail
Skipton BS 2 Year Tracker £995 Fee SBS0.99%Tracker2 years 4.74%4%APRC £99560%
Product Code: 002ETH
Product Name: 2 Year Tracker £995 Fee
Lender Code: SBS
Lender Name: Skipton BS
Initial Pay Rate: 0.99
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.74
Apr Lenders: 4
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 455.47
Monthly Payment After Initial Period: 669.43
Fees Total: 1061.00
True Cost: 0.00
True Cost Over Initial Period: 10991.28
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 6
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 60.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 105.00
Lender Product Reference: TR470
Detail
Tipton & Coseley BS Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase TIP1.04%DiscountJan-20204.74%3.8%APRC31-Jan-2020 £99965%
Product Code: 002BN9
Product Name: Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase
Product Availability: Exclusive Intermediaries Only
Lender Code: TIP
Lender Name: Tipton & Coseley BS
Initial Pay Rate: 1.04
Mortgage Class: Discount
Initial Rate Period: Jan-2020
Initial Rate Period Months: 27
Standard Variable Rate: 4.74
Apr Lenders: 3.8
Early Repayment Charge Applies Until: 31-Jan-2020
Early Repayment Charge Period Sort Field: 1440
Initial Monthly Payment: 457.83
Monthly Payment After Initial Period: 666.76
Fees Total: 1124.00
True Cost: 0.00
True Cost Over Initial Period: 12585.41
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 900.00
Booking Fee: 99.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 35.00
Product Match Status: Available
MaxLoan Available: 450000.00
Legal Fee: 150.00
Lender Product Reference: ZD002
Detail
Tipton & Coseley BS ATOM Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase TIP1.04%DiscountJan-20204.74%3.8%APRC31-Jan-2020 £99965%
Product Code: 002BNA
Product Name: ATOM Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase
Product Availability: Exclusive Intermediaries Only
Lender Code: TIP
Lender Name: Tipton & Coseley BS
Initial Pay Rate: 1.04
Mortgage Class: Discount
Initial Rate Period: Jan-2020
Initial Rate Period Months: 27
Standard Variable Rate: 4.74
Apr Lenders: 3.8
Early Repayment Charge Applies Until: 31-Jan-2020
Early Repayment Charge Period Sort Field: 1440
Initial Monthly Payment: 457.83
Monthly Payment After Initial Period: 666.76
Fees Total: 1323.00
True Cost: 0.00
True Cost Over Initial Period: 12585.41
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 900.00
Booking Fee: 99.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 35.00
Product Match Status: Available
MaxLoan Available: 450000.00
Legal Fee: 150.00
Lender Product Reference: ZD002
Detail
Tipton & Coseley BS Complete FS Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase TIP1.04%DiscountJan-20204.74%3.8%APRC31-Jan-2020 £99965%
Product Code: 002BNB
Product Name: Complete FS Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase
Product Availability: Exclusive Intermediaries Only
Lender Code: TIP
Lender Name: Tipton & Coseley BS
Initial Pay Rate: 1.04
Mortgage Class: Discount
Initial Rate Period: Jan-2020
Initial Rate Period Months: 27
Standard Variable Rate: 4.74
Apr Lenders: 3.8
Early Repayment Charge Applies Until: 31-Jan-2020
Early Repayment Charge Period Sort Field: 1440
Initial Monthly Payment: 457.83
Monthly Payment After Initial Period: 666.76
Fees Total: 1124.00
True Cost: 0.00
True Cost Over Initial Period: 12585.41
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 900.00
Booking Fee: 99.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 35.00
Product Match Status: Available
MaxLoan Available: 450000.00
Legal Fee: 150.00
Lender Product Reference: ZD002
Detail
Tipton & Coseley BS Positive Lending Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase TIP1.04%DiscountJan-20204.74%3.8%APRC31-Jan-2020 £99965%
Product Code: 002BNC
Product Name: Positive Lending Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase
Product Availability: Exclusive Intermediaries Only
Lender Code: TIP
Lender Name: Tipton & Coseley BS
Initial Pay Rate: 1.04
Mortgage Class: Discount
Initial Rate Period: Jan-2020
Initial Rate Period Months: 27
Standard Variable Rate: 4.74
Apr Lenders: 3.8
Early Repayment Charge Applies Until: 31-Jan-2020
Early Repayment Charge Period Sort Field: 1440
Initial Monthly Payment: 457.83
Monthly Payment After Initial Period: 666.76
Fees Total: 1419.00
True Cost: 0.00
True Cost Over Initial Period: 12585.41
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 900.00
Booking Fee: 99.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 35.00
Product Match Status: Available
MaxLoan Available: 450000.00
Legal Fee: 150.00
Lender Product Reference: ZD002
Detail
Barclays Bank 2 Year Tracker £999 Fee Purchase BWO1.04%Tracker2 years 3.74%3.4%APRC2 years £99960%
Product Code: HZQ
Product Name: 2 Year Tracker £999 Fee Purchase
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.04
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.4
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1437
Initial Monthly Payment: 458.21
Monthly Payment After Initial Period: 607.99
Fees Total: 1114.00
True Cost: 0.00
True Cost Over Initial Period: 11112.04
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 126.00
Lender Product Reference: AR41
Detail
Tipton & Coseley BS Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase TIP1.09%DiscountNov-20194.74%3.9%APRC30-Nov-2019 £99975%
Product Code: 002BNH
Product Name: Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase
Product Availability: Exclusive Intermediaries Only
Lender Code: TIP
Lender Name: Tipton & Coseley BS
Initial Pay Rate: 1.09
Mortgage Class: Discount
Initial Rate Period: Nov-2019
Initial Rate Period Months: 25
Standard Variable Rate: 4.74
Apr Lenders: 3.9
Early Repayment Charge Applies Until: 30-Nov-2019
Early Repayment Charge Period Sort Field: 1438
Initial Monthly Payment: 460.58
Monthly Payment After Initial Period: 668.69
Fees Total: 1124.00
True Cost: 0.00
True Cost Over Initial Period: 11738.50
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 900.00
Booking Fee: 99.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 35.00
Product Match Status: Available
MaxLoan Available: 450000.00
Legal Fee: 150.00
Lender Product Reference: ZD004
Detail
Tipton & Coseley BS ATOM Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase TIP1.09%DiscountNov-20194.74%3.9%APRC30-Nov-2019 £99975%
Product Code: 002BNI
Product Name: ATOM Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase
Product Availability: Exclusive Intermediaries Only
Lender Code: TIP
Lender Name: Tipton & Coseley BS
Initial Pay Rate: 1.09
Mortgage Class: Discount
Initial Rate Period: Nov-2019
Initial Rate Period Months: 25
Standard Variable Rate: 4.74
Apr Lenders: 3.9
Early Repayment Charge Applies Until: 30-Nov-2019
Early Repayment Charge Period Sort Field: 1438
Initial Monthly Payment: 460.58
Monthly Payment After Initial Period: 668.69
Fees Total: 1323.00
True Cost: 0.00
True Cost Over Initial Period: 11738.50
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 900.00
Booking Fee: 99.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 35.00
Product Match Status: Available
MaxLoan Available: 450000.00
Legal Fee: 150.00
Lender Product Reference: ZD004
Detail
Tipton & Coseley BS Complete FS Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase TIP1.09%DiscountNov-20194.74%3.9%APRC30-Nov-2019 £99975%
Product Code: 002BNJ
Product Name: Complete FS Intermediary Key Partner Semi Exclusive 2 Year Discount £900 Fee Purchase
Product Availability: Exclusive Intermediaries Only
Lender Code: TIP
Lender Name: Tipton & Coseley BS
Initial Pay Rate: 1.09
Mortgage Class: Discount
Initial Rate Period: Nov-2019
Initial Rate Period Months: 25
Standard Variable Rate: 4.74
Apr Lenders: 3.9
Early Repayment Charge Applies Until: 30-Nov-2019
Early Repayment Charge Period Sort Field: 1438
Initial Monthly Payment: 460.58
Monthly Payment After Initial Period: 668.69
Fees Total: 1124.00
True Cost: 0.00
True Cost Over Initial Period: 11738.50
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 900.00
Booking Fee: 99.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 35.00
Product Match Status: Available
MaxLoan Available: 450000.00
Legal Fee: 150.00
Lender Product Reference: ZD004
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

Mortgage product availability is subject to status and availability.

Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions. To confirm details and availability of any product please click the “Do I Qualify” button.