Which banks offer contractor mortgages?

A number of UK lenders will consider contractor mortgage applications, including major high street names and specialist lenders. Depending on your circumstances, lenders may include Halifax, Barclays, NatWest, Accord, Bank of Ireland, Santander and others. The right lender depends on how you are paid and how they assess contract income. Some are more flexible with day-rate calculations, while others are stronger for limited company directors or umbrella workers. The lender that offers the best option for one contractor may not be the best fit for another. (Freelancer Financials) Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.