Complex income, simple mortgage.
Day rates, CIS vouchers, locum shifts, dividends and retained profit — Elena maps your income to the lenders whose policy actually fits.
Contractor and professional mortgages are UK residential mortgages assessed on non-standard income. Day-rate contractors are typically underwritten as day rate × 5 × 46 weeks; CIS subcontractors on gross vouchers as employed income; company directors on salary plus dividends or salary plus retained net profit; and regulated professionals such as doctors and dentists through professional schemes lending 5.5–6× income. Halifax, Clydesdale, Kensington, Precise, Vida, Skipton and Coventry for Intermediaries lead this market, with lending to 95% LTV and rates from 4.19% in 2026, and one year of accounts accepted throughout.
The numbers, at a glance.
Medical & Health
Locum shifts, NHS enhancements and mixed NHS/private income counted in full.
Construction & Trades
CIS deductions and rolling site contracts read the way they're actually paid.
Corporate & IT
Day-rate and fixed-term contracts at high-street pricing.
Business Owners
Retained profit and short trading histories, priced properly.
Questions, answered.
Elena, our AI mortgage expert, can answer it in seconds — or book you a free callback with a human broker.
Which UK lenders are best for contractors and professionals?
How is contractor income assessed for a mortgage?
Do professionals get better mortgage terms?
Can I get a mortgage with one year of self-employed accounts?
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