- Short & Fixed Term Contracts
- Up to 95% LTV
- Residential & Buy to Let
- No Credit Scoring Application for Some Lenders
- Manual Underwriting
Mortgages for Short Term Contractors
Rockhopper appreciates that employed income can now be earned in a variety of ways from zero hour contractors, freelancers, fixed term contractors and piece workers.
We understand that many clients choose to work on short-term contracts as it gives them the flexibility and life/work balance they seek.
We work with a number of lenders who are able to consider clients who are employed via a short term or fixed term contract. Typically you would need at least 6 months track record and ideally 12 months – however in certain situations a shorter track record can be considered – for example if you have industry experience etc. Rolling contracts can also be considered i.e. those contracts with no end date.
Customers calling us often tell us they are frustrated that although they would be a very good mortgage customer, they are finding it difficult to get a mortgage.Read More >>
Whatever your situation, we may be able to assist.
We work with a number of lenders who have a flexible approach to underwriting your mortgage. They will look at your mortgage on a case by case basis and a person will assess your situation rather than a computer. The lenders we work with are happy to look at clients who may have failed credit scoring with other mortgage providers or need a little bit bigger mortgage based on their income.
We appreciate everyone’s particular situation is unique, which is why we look at every enquiry on a case by case basis. We work with both High Street and Specialist lenders and, if necessary, can recommend a lender who will manually assess your mortgage application rather than asking a computer to make a decision. In the current climate, we appreciate that everyone may not “tick all the boxes” for the high street lenders.
If you would like to see whether we can help you raise a mortgage for you on a property, do get in touch for a free no obligation quotation.