Contractor Mortgage Calculator

Enter Your Day Rate

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How much can you borrow for your contractor mortgage?

Do you want to know how much you can borrow, using your contract day rate?

Lenders are able to work out how much contractors can borrow using a relatively simple equation. We understand that for contractors, your time is money and so have provided you with a calculator, to estimate what size of mortgage you could secure.

Our contractor mortgage calculator will give you a quick view of your borrowing power. Enter your day rate and click calculate now to see what you could borrow as a contractor.

You may be pleasantly surprised at your potential mortgage affordability.

Please note, our mortgage calculator only acts as a guide and does not guarantee eligibility for a mortgage.

For a more detailed quote of what you could borrow, speak with our expert mortgage advisers –  Freephone 0800 211 8700.

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  • Feefo Platinum Trusted Award
  • Best Broker
  • Three Best Rated 2020
  • Best Contractor Mortgage Company

What Our Clients Say

  • 5 stars

    “Excellent service. Great understanding of the customers needs. Some of the best customer service I have ever had.”

  • 5 stars

    “Absolutely incredible service. Really quick and efficient and hold your hand through the whole process.”

  • 5 stars

    “Fantastic service. All my needs taken care of. Would recommend to anyone looking for a contractor mortgage.”


If you are a contractor or independent professional looking at buying a new home or property, our contractor mortgage borrowing calculator is the fastest way to figure out how much you can borrow. It really does only take a few seconds, because we know that your time is money!

With our initial estimation, you will have a much better idea of how much money you will need to save, in order to secure a deposit. As well as your monthly repayment amount, making the process of securing a property a much simpler process.
It must be noted that the true value of your mortgage deal, can only be determined once we have looked through several other factors. We will need to analyse your monthly income, from not only your day rate but the income you receive from any additional investments, pensions & as well as any income you receive from child maintenance & grants.

We understand that no case is the same. Every contractor has a unique set of circumstances & thus no two mortgages are the same. This is why our award-winning team carefully tailor a mortgage that caters to your individual circumstances & needs. From here, we will be able to provide each of our clients access to a comprehensive range of mortgages from across the UK market. This includes some exclusive offers, that you would not be able to secure by going to a high-street lender directly!

Once you have entered your details into our contractor mortgage calculator, our team will be able to provide you with a more detailed calculation that’s tailored to you. Call us on 0800 211 8700.

If you need any more convincing, check out some of our reviews!

Frequently Asked Questions (FAQ’s) – Contractor Mortgage Calculator:        

Why do I need a calculator as a contractor?

As a contractor the traditional methods used by mortgage lenders, don’t tend to apply when it comes to calculating how much you are entitled to. This is where our contractor mortgage calculator comes in.

How can I work out how much I can borrow using my day rate?

You will be able to get an estimate of how much you are entitled to by entering your day rate above. From here, we can give you an indication of the potential amount you can borrow.

Why is the Calculator not a firm mortgage offer?

Our mortgage calculator only gives an estimate as to how much you can potentially borrow and does not guarantee that you will be eligible for a mortgage.

For a more detailed quote of what you could borrow, speak with our expert mortgage advisers – Freephone 0800 211 8700 or drop us an email.

Why can’t it give an exact figure?

Through our years of experience as a specialist broker in contractor mortgages, there is no “one size fits all” model when it comes to independent contractors. This is due to the fact that each of our clients, tend to have their own way of running their individual businesses. We take all of these unique factors into account when finding a lender that would best suit them.

Who is the calculator suitable for?

Are you searching for competitive fixed, variable or interest-only mortgage rates? We can provide mortgages for a variety of contractors. Whether you are a first time buyer, moving home, buying another property or remortgaging.

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