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 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 as I don't have years of accounts I can submit

Most contractors, freelancer and self-employed professionals will know somebody or know of somebody who has had a nightmare getting a mortgage.

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.

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 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.

CMME are 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.

So back to the first question 'what size mortgage can you get as an independent professional?' simply enter your details into our mortgage assessor below. For further information, click here.

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 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, email CMME on or fill out the below form:

SJD are not authorised to offer regulated mortgage advice. SJD are introducers to 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: Albany House, 5 Omega Park, Alton, Hampshire, GU34 2QE. 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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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.
  • Our Customer Promise. Respond to any question sent to your accountant or any dedicated department within 24 hours.  If we need more time, we will update you as soon as we can and we promise to keep you informed of the progress we are making in answering your question.
  • 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 business team on 01442 275789 or email: Our new business team is open Monday to Thursday (8am to 8pm), Friday (8am to 7pm) and Saturday (10am to 4pm)

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.