It can be difficult finding the right mortgage...

I.T. Contractors often find it more difficult to obtain a mortgage due to many reasons, including efficient tax planning and short term contracts. As experienced mortgage brokers we know which lenders have the appetite to lend to contractors and importantly how to propose your mortgage requirements to the lending underwriters. If you have already tried to get a mortgage elsewhere but been rejected we may still be able to help; it may just be a case of finding an alternative lender who has the right lending policy for your individual situation.

A mortgage application based on your hourly or daily rate:

If you have at least 12-months track record in the IT industry there may be a number of application routes open to you. One of the simplest routes is to apply for your new mortgage based on your current contract. A limited number of lenders use this system of underwriting and they typically use your hourly or daily rate to calculate an equivilent 48-week level of remuneration. If you have a longer track record in the industry or have Limited Company or Self Employed Accounts, the number of mortgage products available to you will widen further. If you have been contracting for less than 12-months, we may still be able to help so please give us a call.

Remember, our service is impartial, we work for you not the lender. For further information visit our about us page or why not take a look at what some of our customers have to say about our service.

Our service doesn't stop when we recommend a mortgage, we also deal with the mortgage application saving you time and effort dealing with the lender directly. As a Smaart Associates client you will have your own dedicated adviser supporting you through the purchase or remortgage process from day one. Our advisers are experienced in arranging a wide range of mortgages including large mortgages over £500,000.

As a whole of market mortgage broker we work hard to find you the right mortgage product. We are able to arrange mortgages with lenders who accept business from Mortgage Brokers.

An “agreement in principle” is a provisional lending decision with a mortgage lender confirming that they will lend you a specified sum of money. Would you like to have a mortgage agreed before you find a property?

• There is no charge for the agreement in principle
• We are often able to obtain an agreement in principle the same working day
• You have no obligation to apply to the lender who provides the agreement in principle when you find a property you wish to buy... find out more.