Are you a contractor seeking a mortgage?
Do You Qualify?
Get to know your mortgage options in a matter of minutes
Contractor Benefits
Realise the unique advantages being a Contractor
Keys to Success
Your application matched to the right lender by our experts
NW Guarantee
We promise you’ll be accepted or get £500 Amazon vouchers
How to get a mortgage being a Contractor
We understand that ‘one size does not fit all’ especially for contractors.
We offer innovative mortgage products designed to provide solutions for contractors who are often overlooked by their own bank.
Many high street banks will ask for your last two year’s tax returns or limited company accounts if you have them. What makes this even worse, is they’ll use an average over the last two years often leaving you short of where you’d like to be.
Sound familiar???
Well don’t get yourself down, you’re about to witness the power of having a team of contractor experts in your corner!
Our unique approach involves manually underwriting mortgages with common sense, without relying on credit scoring. This, along with our deep knowledge of the contractor mortgage market brings solutions you never thought possible.
If you want to take advantage of getting a mortgage approved based on your day-rate then you’ve come to right place. We’ll work off your most recent contract and completely ignore your tax returns.
Our lenders love contractors and with exclusive deals at high street rates your mortgage dreams can finally become a reality.
Why Work With Us
Here are just a few ways we’re DIFFERENT from other companies
Self-Employed
Specialists
Specialists
In-House
Underwriting
Underwriting
Borrow
More Money
More Money
Proven
Success Rate
Success Rate
Contractor Success Story
Jagroop, a contractor and his partner Jasmeen, got the best mortgage terms with our expert help, avoiding lengthy documentation. They remortgaged in six months and are now excitedly renovating their new home
The new wave method
Here’s the SIX STEPS to GUARANTEE Self-Employed Mortgage SUCCESS
Pro-TIP:
Contractors
Our expert Daniel declares “there’s never been a better time to be a contractor! With this strategy exclusively for contractors, your mortgage can be approved on high-street rates without the hassle of providing a tax return.”
Ask our Experts
Yes, we charge a one-off broker fee when your mortgage is accepted by the lender. At this stage your application has been submitted, they’re happy with your paperwork and their surveyor has valued your property. At this point, you’ll be sent a formal mortgage offer which is a legally binding document to confirm the mortgage is approved. We’ll then invoice for our broker fee of £1,995.
Typically, it takes 2-4 weeks to get your application approved by the lender. The quickest we have turned an application around is just 48 hours! If speed is important, then tell your expert and they’ll match you with the right lender to ensure it gets accepted as quickly as possible.
As a rule of thumb, lenders restrict the amount you can borrow to 4.5 x your last two years tax returns. Being experts in contractor mortgages, we have access to lenders that will lend significantly more! Use our quick calculator to get an estimate based on your self-employed earnings.
The answer to this is simple. Yes! It’s just question of when you’ll be able to get the mortgage you’re looking for. Our unique service for contractors provides all the best shortcuts out there to bring you the best mortgage options in the quickest timeframes possible.
This depends on the lender your expertly matched with. As a minimum we require proof of ID, proof of address and proof of income. We’ll need your most recent contract confirming your day rate too.
We are so confident your application will be approved that you’ll receive £500 Amazon vouchers if we don’t. That’s the New Wave Guaranteee. We also take all the risk so you don’t have to… this means you don’t pay us a penny if we’re not able to secure the mortgage we promised.
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Trusted Self Employed Mortgage Brokers
Don’t just take our word for it… Read genuine customer reviews to see what makes us trusted self employed mortgage brokers