More lenders than ever before have realised the independent professional sector is growing, and have decided to update their borrowing criteria. These include High Street names like Clydesdale, Virgin Money and Nationwide, as well as a growing number of specialist lenders including Metro Bank, Leeds and Kensington. Since we launched, we’ve spent time educating lenders about independent professional remuneration structures and how to understand their true earning potential. As a result, we’ve been able to agree bespoke underwriting terms with a range of lenders, enabling people like you to borrow based on a multiple of your contract rate. 

Before independent professional mortgages were created, many contractors, freelancers and consultants had to rely on self-certified mortgages with higher rates and higher fees. But today, with our help, there’s no reason why you shouldn’t be able to secure the same mortgage rates as someone on PAYE. We don’t offer different pricing and we don’t deal with lenders who do because we believe it’s unfair to penalise you. Instead, we work closely with you to understand exactly the kind of mortgage you need, then we research the market to identify the lender best placed to help. We always keep our independent professional rate table up to date so you can stay in touch with best, most competitive mortgage rates out there.