Can I get a mortgage as a contractor?

Yes, contractors can get mortgages, but contractor mortgage eligibility depends on demonstrating stable income through at least two years of accounts, strong day rates, and working outside IR35. Lenders assess contract history, accountant certification, and cash reserves to determine affordability for self-employed contractors operating through limited companies.

Written by MAAT

Can I get a mortgage as a contractor?

Definitely so! Following the flexible nature of contracting, you may have to provide a little more information about your finances and expected income but nothing that your accountant shouldn't be able to assist with.



Read more of our Contractor Accounting guides: