Many contractors or sub-contractors may have struggled to arrange mortgages due to the perception on the part of lenders that those on short-term contracts represent a poor credit risk with incomes that are difficult to assess.

We know that this is not the case so we have teamed up with Coulson Pritchard Associates (CPA)/ContractorFinancials who have negotiated specialist underwriting terms with ‘High Street’ lenders based simply on a multiple of your contract rate alone. They are able to provide advice and recommendations specifically tailored to the needs of contractors.

The service is designed to help you secure the same competitive mortgage deals as a permanent based employee. An additional benefit is that Hardhatter clients will be charged none of the broker fees normally associated with using a mortgage adviser (many brokers will charge as much as one per cent of the loan amount for arranging your mortgage).

Loans can be easily secured at up to four times your annualised contract rate and be based on little or no deposit. Contractors need only be a fortnight into their first contract to qualify for these terms. No proof of income loans are also available.

To benefit from recommendations that are specific to your mortgage requirements please complete the mortgage finder form below and CPA/ContractorFinancials will contact you immediately with the best deals on the market. Alternatively for general enquiries telephone the mortgage desk on 0845 0628888 quoting Hardhatter offer.

Your home may be repossessed if you do not keep up repayments on your mortgage. ContractorFinancials Ltd is directly authorised and regulated by the Financial Services Authority (FSA). Not all products are regulated by the FSA eg buy to let mortgages.

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The Editor