Mortgages for Contractors

Contractor Mortgages

When you become a contractor, you can enjoy the freedom that contracting brings while also taking responsibility for your own retirement and protection plans.
We have teamed up with the specialists at ContractorFinancials to offer you our JSA Financial services so you can now benefit from independent financial advice to help you make the most of your time contracting.

Get on the property ladder with JSA Financials

As a contractor, it can be tough to secure a mortgage, because many of the high street lenders simply don’t understand your unique working status. Here at JSA, we know that contractors have often missed out on their perfect property, because a mortgage lender realises that you will only be working with your client for a short period of time.

ContractorFinancials understand the needs of contractors and over the past 10 years have helped many thousands of contractors to find and secure competitive mortgages. Their experience and in-depth knowledge of the market has enabled them to build unique relationships with lenders, ensuring that your mortgage is processed quickly and with minimum fuss.

They will help you avoid the expense of self certification mortgages, thanks to the income criteria that they have negotiated with lenders. This enables you to borrow based on an annualised multiple of your contract rate alone.

Getting you into your new home quickly

The team behind JSA Financials has been able to secure special terms for our clients that allow you to gain mortgages with only a small deposit. The selective lender criteria that they use ensure that the whole mortgage application process can be very much quicker than trying to source a scheme direct with the lenders. Mortgages can even be agreed within days of your very first contract.

Unlike many brokers, ContractorFinancials will not charge JSA clients a fee for their services. They cover their costs solely from introducer’s payments from whichever lenders you decide to work with. As a result of FSA regulations, you will have the option to pay 0.6% of the loan instead, and they will instead refund the commission.

What is the next step?

  • Contact the mortgage team at JSA Financials
  • One of the independent mortgage specialists will discuss your needs
  • You will then be e-mailed recommendations, which can be discussed in more detail
  • You will be assigned a dedicated contact to handle your case personally

This ensures that your application runs smoothly.

Call us now on 0845 202 4534 or e-mail mortgages@JSAfinancials.com

Remember that your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Financial advice is given by Contractor Financials, which is a trading name of Contractor Financials Ltd and is regulated and authorised by the Financial Services Authority.

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