Mortgage Help for any employment type
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When applying for a mortgage, your employment type can make a huge difference in how lenders assess your income. Traditional high-street banks often prefer straightforward salary structures, which can make it harder if you’re self-employed, a contractor, a freelancer, or on a zero-hour contract. Add in any past credit issues, and securing a mortgage can feel out of reach.
That’s where Adverse Mortgage Advisors can help. We specialise in finding mortgages for clients who don’t fit the “standard” mould. With expert knowledge and access to a wide panel of specialist lenders, we turn complex income situations into clear, achievable mortgage solutions. Whether you’re running your own business, working flexible hours, or earning on short-term contracts, we’ll guide you every step of the way and maximise your chances of approval.
Running your own limited company can make mortgage applications tricky. Many lenders only consider your salary and dividends, which often underestimates your true income. At Adverse Mortgage Advisors, we work with lenders who assess your full company accounts, including retained profits, to give a more accurate picture of affordability. Even if you’ve faced credit challenges, we know which lenders are most supportive of company directors.
Contractor income can fluctuate depending on projects, and some lenders see this as unstable. We take a different view. By highlighting your contract history, day-rate structure, and industry demand, we show lenders the consistency in your earnings. We also work with specialist lenders who understand contractors, even if you’ve had adverse credit in the past.
If you’re self-employed—whether as a business owner, sole trader, or freelancer—proving income can feel daunting. Many high-street lenders want at least three years of accounts, but our specialist lenders may accept just one year of trading records. Using your SA302s, HMRC documents, and tax returns, we build strong applications that work in your favour, even if you’ve had bad credit.
Sole traders are often assessed on tax records such as SA302s and tax year overviews. We know exactly how to present these to lenders, so they reflect the real stability of your income. By working with lenders who specialise in sole trader mortgages, we can help you move forward confidently—even with a history of late payments or defaults.
Short-term contracts and variable pay can make agency workers nervous about applying for a mortgage. The good news is, we know which lenders are open to agency income, especially if you’ve been in consistent roles or the same industry for some time. If you’ve had credit issues, we’ll still match you with lenders who value your work history.
Freelancers often juggle multiple clients and irregular income streams, which can be difficult for traditional lenders to understand. We specialise in simplifying your financial records—contracts, invoices, and tax returns—to present a clear picture to specialist lenders. With the right approach, freelancing can be a strength, not a barrier.
Zero-hour contracts can create uncertainty, but homeownership is still possible. We work with lenders who take a flexible view on income, often using bank statements and recent work history to assess affordability. Even with a less-than-perfect credit file, there are lenders willing to help.
If you’re paid through the Construction Industry Scheme (CIS), getting a mortgage can feel more complex than it should be. Many high-street lenders treat CIS workers as self-employed and ask for two or more years of accounts, which often isn’t realistic for subcontractors in construction.
At Adverse Mortgage Advisors, we specialise in CIS contractor mortgages. The good news is that some lenders will base their affordability checks on your gross CIS income from payslips, rather than net profit after tax. This means:
Whether you’re a subcontractor working on different sites or a long-term CIS contractor with steady payslips, we know exactly which lenders to approach. Our expertise ensures your application highlights your true affordability, giving you a far better chance of approval.
Your employment type shouldn’t stop you from owning a home. Whether you’re a director, contractor, agency worker, or on a zero-hour contract, we know how to connect you with lenders who understand your circumstances.
With Adverse Mortgage Advisors, you’ll benefit from:
If you have questions about getting a mortgage with an adverse credit score, read our FAQs. Our wealth of knowledge within this market means that we’re confident in our ability to offer specialist mortgage advice and secure the mortgage you want regardless of your credit history.
Yes, company directors can get mortgages, but the process is slightly different from employed applicants. Lenders usually assess your income using your salary and dividends, or sometimes your share of net profits, depending on the lender’s criteria.
Yes, you can get a mortgage as a day rate contractor. Many specialist lenders and brokers recognise contractor income and calculate affordability based on your daily rate rather than just payslips or tax returns. The key is to apply with lenders who understand contractor-specific mortgage applications.
Yes. Being self-employed does not stop you from getting a mortgage. Lenders will simply assess your income in a different way compared to someone who is employed. With the right documentation, many self-employed applicants can access the same mortgage interest rates and terms.
Yes. Being a sole trader does not prevent you from getting a mortgage. Lenders will assess your income differently from employees, often using SA302 tax calculations and accounts to determine affordability. Many lenders offer competitive mortgage options specifically for sole traders.
Yes. Freelancers can get a mortgage, but lenders assess income differently than for traditional employees. They usually review tax returns, bank statements, and contracts to confirm your earnings and affordability. Specialist lenders often provide mortgage options tailored for freelancers.
Yes. Many lenders consider self-employed agency workers for mortgages. Your income is assessed based on your contracts, pay slips, and sometimes your historic earnings, rather than just a fixed salary. Specialist lenders are often more flexible for this type of employment.
Yes. Unlike standard self-employed mortgages, many CIS mortgage lenders will accept 3–6 months of CIS payslips instead of two full years of accounts. This makes it much easier for construction workers and subcontractors to get approved.
Yes! Lenders can consider zero-hour contractors for a mortgage. They usually look at your average earnings over the past 12–24 months to make sure you can afford the repayments. Specialist lenders often offer deals tailored to zero-hour contracts.
