31/07/2026
🤷♂️ Your bank doesn't think you've got a proper job.
You're on £450 a day. They offered you £190,000.
A contractor lender, looking at the exact same bloke earning the exact same money, gets to around £465,000.
Nothing about you changed. Only the document they read.
The high street opens your accounts. Your accountant has spent years making those look as small as legally possible, because that is literally their job. It also makes them the single worst piece of paper you could ever hand a lender.
A contractor lender doesn't want your accounts. It wants your contract.
Day rate × 5 days × 46 weeks.
£450 a day becomes £103,500 a year, and the whole conversation changes.
Sparks, chippies, plumbers, groundworkers, scaffolders, HGV. Limited company, umbrella, CIS or sole trader. There is a lender that understands how you get paid, and it isn't the one whose branch you walked into.
5 questions. 30 seconds. You'll see an indicative figure built on your own day rate, and we'll send you the free Contractor Mortgages guide.
We Financial Group Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Figures shown are illustrative only, are not advice or an offer of credit, and depend on lender criteria and your individual circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage.