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Contractor and Self-employed Mortgage services/h2>

The Mortgage Surgery is a specialist for people who are self-employed or contractors.

We understand how difficult and frustrating it can be to find the right mortgage deal as a self-employed professional. Our experience in this specialist area of the mortgage market means that we are able to place you with the right lender to suit your unique circumstances.


Most contractors at some point in their careers will have struggled to obtain a mortgage or have been rejected because they do not have the right proof of income. What usually happens is you will be accepted 'in principle' and then after making an application it turns out that you simply cannot prove sufficient income once the lender has seen your accounts. This is where our expertise makes a difference.

Why is it more difficult for contractors to obtain a mortgage?

Not all high street lenders accept self-employed income and it can be difficult to provide sufficient proof of as a self-employed professional or contractor. Our team of mortgage experts regularly deals with cases like yours and we have strong links with lenders who will accept your income.

Will my mortgage rate be higher because I am a contractor?

NO - There should be no reason why you should have to pay more for your mortgage than someone who is permanently employed with similar credit history. Our job is to find you the most competitive mortgage lender and rate for you and your circumstances.

Why use The Mortgage Surgery?


  1. Our mortgage experts are highly trained and have many years experience

  2. Hassle free application service (We deal with the lenders for you)

  3. Whole of market as well as access to exclusive mortgage deals

  4. Strong links with high street and specialist lenders

  5. We can provide you with everything you need including protecting your mortgage


Services we provide include:contractor mortgages

  • First Time Buyer

  • Moving Home

  • Remortgage

  • Buy to Let

  • Shared Ownership

  • Equity Release

Choosing the right mortgage can be a minefield at the best of times and when your income is different it can seem almost impossible€¦ Not anymore!

Speak to our team of mortgage experts today and see how much you could borrow;


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'Excellent services, professional and reliable people' Brilliant customer service and very efficient at finding the right insurance for me. I was regularly contacted them at each stage and kept well informed. Would certainly recommend them. 4.8

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