Contractor Mortgage Calculator Assessor

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 a contractor?
  2. How much will the repayments cost?
  3. Is it difficult to get a mortgage as a contractor?
  4. Can I even get a mortgage as a contractor if I don't have years of accounts I can submit?

Most contractors will know somebody or know of somebody who has had a nightmare getting a mortgage.

Well maybe it used to be like that a few years ago, however with the huge number of permanent employees choosing to move to contracting and work through their own limited companies, lenders have had to alter their view of contractors. It is now relatively easy to obtain a mortgage providing you use a competent specialist broker.

At SJD, we looked long and hard to find such a company, our preferred partner is Contractor Mortgages Made Easy (CMME) the UK's leading contractor mortgage broker. Contractor Mortgages Made Easy are eager to prove that you can easily secure the same 'High Street' mortgages as a permie - it's simply a case of making use of the expertise and contacts that they have built up over many years.

Contractor Mortgages Made Easy are directly regulated and authorised by the Financial Services Authority. They are pleased to be able to offer full advice whereas many institutions will now only provide you with an 'information only' service.

They also provide what is referred to as a 'whole of market service', which means they can advise you on and arrange a suitable mortgage from all the lenders and from their entire product range meaning you have more time to focus on contracting.

So back to the first question 'what size mortgage can you get as a contractor?', for ball-park figure as to the loan size that you can aim for, simply enter your contract rate in our mortgage assessor below (Click on the following link for more details on how much you can earn as a contractor):

Contract Rate
(£ per hour)
Mortgage Amount (£)

You may also find our other contractor mortgage guides and calculators helpful:

If you are looking to take that first step on the ladder, or to remortgage an existing property, then Contractor Mortgages Made Easy will help you find a solution to suit your needs. Whether you want to find out the best rates available or help calculating how much you can borrow based on your contract rate alone, call 01489 555080, email CMME on or fill out the below form:

Contractor Mortgages Made Easy is a trading name of Mortgages Made Easy Limited. Authorised and regulated by the Financial Conduct Authority (FCA reg. 414798).Registered in England No. 4886692 Registered Office: 9 London Road, Southampton SO15 2AE.Your home may be repossessed if you do not keep up repayments on your mortgage.

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SJD Accountancy

SJD Accountancy are the UK's largest specialist provider of fixed fee, Limited company accountancy services to contractors; we've been acting for contractors across the UK since 1992 and have more than 15,000 clients.

We are the only national specialist firm of contractor accountants with offices nationwide. SJD Accountancy has more qualified staff than any other firm in our market with qualifications from the following major tax and accountancy bodies - ATT, AAT, CTA, ACCA, CA, ACA and FCCA.

  • Unlimited face to face meetings. This is a unique service only SJD Accountancy offers - unlimited face to face meetings across the UK - tax is complicated and sometimes only a meeting will do.
  • UK's Largest contractor accountants with more qualified staff. No call centres, no outsourcing, no automated call handling. Simply telephone, email or meet your own dedicated accountant face to face.
  • Money back service guarantee. All your Emails received by 4pm on any normal working day will be answered the same day. Should it be necessary to leave a telephone message it will be answered same day/following day latest or we will make a full refund of that months fee.
  • Outstanding reputation. We have won more awards for customer service and accountancy excellence than any other firm in our market, including: Best Accountant for Contractors, Accountant of the Year and Best Professional Service Team to name just a few.
  • All inclusive low cost fixed fee accountancy package which includes completion of accounts*, payroll bureau, dividends and corporation tax computations, personal taxation, free bookkeeping software, your own dedicated accountant* and all company returns for a fixed fee starting from £120 plus VAT per month. Check our packages for more detail.

If you have any questions about contracting or would like any further advice please call our new client services helpdesk on 01442 275789 or email: Our new client services helpdesk is open Monday to Friday (8am to 6pm).

Appoint SJD Accountancy and never worry about your tax or accountancy affairs again.

Form your own Limited company with SJD - our same day online company formation service includes company bank account set up, VAT/PAYE registration and advice on optimum share structure. 

You may also find the following pages, guides and case studies useful:

*If you would like us to complete your company year end accounts we simply ask that you have been a client of SJD for one year or have made 12 monthly payments. All accountants are part or fully qualified.