Contractor Mortgage Calculator

What's your daily rate? (drag the slider)

You could borrow

This calculator will give you an idea of what you typically might be able to borrow (this will vary greatly from lender to lender). This is not an offer of a mortgage but an example.

Are you a Contractor or Agency staff finding it difficult to source the right deals on contractor mortgages?

Many lenders have tightened their lending criteria over the past 2 or 3 years resulting in a restriction of mortgages for contractors and products for clients falling into the contractor mortgages market, namely in the Contractor or Freelancer category. Lenders don’t recognise that Contractors do not neatly fit into the ‘employed’ or ‘self-employed’ categories much rather they sometimes sit in a grey area in between the two and as such, this often means they fall outside of the Banks’ and Building Societies’ rigid lending criteria.

Get a Mortgage based on your contract rate alone

No need for 3 years’ worth of accounts

Borrow up to 5 times your annualised income

A growing number of lenders have now identified and realise that many Contractors and Freelancers represent safe borrowers who display a history of consistent income coupled with niche skillsets and vast experience in sought after industries. This in turn allows the client to access highly competitive freelancer and IT contractor mortgages that have attractive rates with high street lenders.

Central Financial Services are very experienced in helping people in your circumstances; understanding your requirements and matching those to a suitable lender.

When combined with our experience in the Newbuild property sector this makes a formidable solution.

Stamp Duty Calculator

Please note: This calculator is provided as a guide only.

Stamp Duty Due

Mortgage Calculator

Monthly Repayments


Very diligent and looked after the whole thing from start to finish.

Central Financial Services is a trading style of Central Financial Services (UK) Ltd which is an appointed representative of HL Partnership Ltd which is authorised and regulated by the Financial Conduct Authority. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but we estimate it will be £250. Your home(property) may be repossessed if you do not keep up repayments on your mortgage. Please note Buy to Let mortgages are not regulated by the FCA. Registered in England and Wales Reg. 8807671 Registered Address: 170 Halton Road, Sutton Coldfield, B73 6NZ.