Contractor Mortgage Calculator Assessor

If you're a contractor or a freelancer looking for a mortgage, it's natural to wonder whether the process will be difficult and whether self-employment will impact the amount that you can borrow.

The questions on most new (or even experienced) contractors and freelancer's minds when it comes to mortgages are:

  1. What size mortgage can I get as an independent professional?
  2. How much will the repayments be?
  3. Is it difficult to get a mortgage as an independent professional?
  4. Can I even get a mortgage? I don't have years of accounts I can submit

With the huge number of permanent employees choosing to move to contracting and working through their own limited companies, lenders have had to alter their view of independent professionals.

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How to find a mortgage as a contractor

It is now relatively easy to obtain a mortgage providing you use a competent specialist broker. Our preferred partner is CMME, the UK's leading mortgage broker for independent professionals. CMME is eager to prove that you can easily secure the same 'High Street' mortgages as a permanent employee - it's simply a case of making use of the expertise and contacts that they have built up over many years.

CMME is directly regulated and authorised by the Financial Conduct Authority. They are pleased to be able to offer full advice whereas many institutions will now only provide you with an 'information only' service.

CMME can advise you on and arrange a suitable mortgage from a range of lenders and have access to exclusive rates meaning you have more time to focus on contracting.

If you are looking to take that first step on the ladder, or to remortgage an existing property, then CMME will advise and find a solution to suit your individual needs.

Whether you’re looking to find out the best rates available or require help calculating how much you could borrow, call 01489 555 080 or email CMME on

Looking for more information about contractor mortgages?

Contractor Mortgage Guide What are self-certified Mortgages? Contractor Mortgages

SJD are not authorised to offer regulated mortgage advice. SJD Accountancy Ltd is an Introducer Appointed Representative of CMME. Your home may be repossessed if you do not keep up repayments on your mortgage.

CMME is a trading name of CMME Mortgages and Protection Limited. Authorised and regulated by the Financial Conduct Authority (FCA reg. 414798). Registered in England No. 04886692. Registered Office: 2 Glass Wharf, Bristol, Somerset, BS2 0FR. Please be aware that Commercial Mortgages, Overseas Mortgages and some Buy To Let Mortgages are not regulated by the Financial Conduct Authority. Calls may be recorded for training and security purposes and to improve the quality of our services.

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How can SJD Accountancy help?

Appointing an accountant can save you time and stress when starting up on your own. If you would like to speak to someone about any of the above information or any other queries you may have, arrange a callback and a member of the team will be in touch.

Call us

Call our best advice team on 01925 597 051.

  • Monday - Thursday (8am to 8pm)
  • Friday (8am to 7pm)
  • Saturday (10am to 4pm)

Existing client?

If you're already a client of ours, you can speak to your dedicated accountant directly.

Alternatively, call us on 01442 353 466.

Monday - Friday (9am to 5pm)

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