Complete Finance is authorised and registered by the Financial Conduct Authority. We introduce all clients to an FCA Regulated mortgage broker who will endeavour to help them obtain a mortgage.
Mortgages and Remortgages for Contractors, Construction Industry Scheme (CIS), self employed and freelancers: for house purchase, remortgages, rasing money for home improvements. We can help with Buy-to-Let mortgages or with buying your home from the local authority with a Right to Buy mortgage
Mortgages are subject to status and availability. You must be 18 years or over to apply for a mortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.
As a contractor or self employed freelancer, it can often be a problem getting a mortgage because many lenders and brokers simply don’t understand the way you get paid and how it differs to an ordinary employee.
Howvever, it is possible to get a mortgage based on your contract rate alone. This means your mortgage can be arranged based on the value of your contract, rather than your self-employed net profit, salary or dividends. With certain mortgage lenders, your contract can be used to calculate your affordability and eligibility for the mortgage.
If you are a self-employed contractor paid through the Construction Industry Scheme (CIS), it is possible that a mortgage can be arranged based on an average of your weekly/monthly pay, typically over a three to six-month period. This means there might be no need to provide your net profit.
The broker will endeavour to to find you the best contractor mortgage deal possible. To find out how much you could borrow, based on your contract rate or average pay through the CIS scheme, use the calculator below
Fill out the details below for an estimate of the amount that could be available to you
Want a more detailed estimate, or to apply today?
Complete the enquiry form on this page
Please complete the enqury form on this page and a broker will get back to you with advice
If you have had defaults or county court judgments in the past, this does not mean you cannot get a low interest rate mortgage now. If you have completed an IVA or you are a discharged bankrupt, you may still be eligible for a mortgage. Past credit problems don't mean that you cannot get a good mortgage interest rate now.
When you are struggling financially, it is understandable that meeting your mortgage payments is going to be a big concern. Contact us for the facts. You may find that other types of mortgages suit your needs better. For example, if you have savings, you could use these to reduce your mortgage term or monthly payments. Complete the form to get a mortgage quote from a registered broker, and get your finances back on track even if;
You have various options available to you. One of them may be to swap to a new mortgage can be used to pay off your existing lender and any other finance you may have. The new payments should save you money. You may wish to use the finance raised to pay off credit and store cards, car loans and other high interest rate finance, so reducing your monthly payments overall.
Mortgages are available for people in situations such as:
Shared ownership accepted up to 100% of the clients share
Some companies offer loans specifically to cover mortgage problems such as mortgage arrears. Loans can be expensive and in some cases secured against your home and so if the root cause of the problem has not been addresses you could be increasing your expenditure and putting your home at greater risk. We strongly recommend that you get independent advice before considering any arrangements like this. If you remortgage (change your mortgage lender), your new mortgage may come with a product fee and it may also have different features than your current mortgage. Please ask the broker for full details about the total costs you may have to pay. Your home may be repossessed if you do not keep up repayments on your mortgage.
We take your enquiry and pass it on to the mortgage broker that will best handle your own individual circumstances.The mortgage broker will find the most suitable lender for your specific requirements and get back to you with the mortgage that suits your needs. Note that your current lender may charge fees when you leave. Also, legal fees may apply depending on your circumstances.
Whether you are employed or self employed, or even if you are not working, there are mortgages you may be eligible for. If you are struggling financially, you have various options, such as extending your mortgage term - this will allow you to reduce your monthly payments by paying your mortgage back over a longer term. Alternatively, your lender may let you reduce your monthly payments for a set period of time. (Although these payment arrangements would reduce your monthly payments now, they will increase the overall cost of your mortgage). Find out whether our brokers can help by firstly completing the form. A mortgage broker can research the best mortgage for your circumstances whilst having the skill and knowledge to process your application quickly and efficiently. Whether you are looking to buy privately, from the local council or if you need a Buy to Let Mortgage at a low APR interest rate. Fast and simple
If you are currently experiencing financial problems, at the same time as talking to us about your financial concerns, we recommend that you take independent debt advice to help you understand your options and manage your finances. There are a number of organisations that provide free, professional advice, such as Citizens Advice, National Debtline and StepChange Debt Charity. Depending on your circumstances, you may also be able to get help from the government.
The broker will endeavour to find the most suitable mortgage for your individual circumstances
and do everything they can to get your mortgage paid out as quickly as possible. We believe
that both we and the broker give a first class service to our clients. We hope you will be happy with the outstanding service you receive from
the broker. If not, please let them know and they will do their best to help with any problems you may encounter.
You will never be asked for any up front fees for arranging your finances.
The broker will contact you by telephone or email to clarify any issues that they are not sure about. You are under no obligation at any time to go ahead with their advice. They will find the most suitable lender for your specific requirements and get back to you with a product that suits your needs.
Mortgages are subject to underwriting and criteria. Minimum age 18. UK residents only.