Award-Winning Bad Credit Specialist · FCA No. 301173
Contractor Mortgage With Bad Credit Complex Cases Made Simple
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 52 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Contractor income plus bad credit is a specialist combination. Darryl Dhoffer has extensive experience arranging mortgages for contractors with adverse credit across all contract types.
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Award-Winning
65+ Lenders
FCA No. 301173
01234 237321
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Contractor Mortgages and Adverse Credit
Quick answer — How do lenders assess contractor income with bad credit? Different lenders use different methods for contractor income. Some use your day rate multiplied by annualised working days. Others use your accounts or SA302s if you trade through a limited company. Some specialist lenders are more flexible on how they calculate contractor income. Darryl will identify which method produces the best affordability figure for your contract.
Contractors face more complex mortgage income assessment than permanently employed borrowers because their income comes through contracts rather than a standard payslip. When adverse credit is added the number of available lenders narrows further. However specialist lenders do exist who understand both contractor income and adverse credit.
The key is matching your specific contract type and income structure with a lender whose contractor AND adverse credit criteria both work for you. Darryl Dhoffer has deep experience with exactly this combination.
Darryl Dhoffer — The Mortgage Geezer
20+ years in mortgages. Award-winning specialist. Featured in the Daily Express, FT Adviser, The Intermediary and Daily Mirror. I have helped hundreds of people across the UK who were told no by their bank — and I work with 65+ lenders including specialist adverse credit lenders you will not find on comparison sites.
When you contact me, you speak to me directly. No call centres. No being passed around. I personally review every case and respond within 2 hours.
CeMAPCeRERFCA 301173AWARD WINNINGINDEPENDENTWHOLE OF MARKET
Frequently Asked Questions
Can I get a mortgage as a contractor with bad credit? ›
Yes but it requires a specialist broker who understands both contractor income and adverse credit. Darryl Dhoffer has arranged mortgages for contractors with CCJs defaults IVAs and other adverse credit working across IT finance engineering healthcare and other sectors. The right lender makes the combination achievable.
How do lenders assess contractor income with bad credit? ›
Different lenders use different methods for contractor income. Some use your day rate multiplied by annualised working days. Others use your accounts or SA302s if you trade through a limited company. Some specialist lenders are more flexible on how they calculate contractor income. Darryl will identify which method produces the best affordability figure for your contract.
What contract types are accepted with adverse credit? ›
Most contractor types can be considered including IT contractors engineers finance contractors healthcare locums daily rate contractors and fixed term contract workers. The key is finding lenders whose contractor income criteria align with your specific contract type and whose adverse credit policies accommodate your credit profile.
How long do I need to have been contracting to get a mortgage with bad credit? ›
Most specialist lenders require 12 months of contracting history with a current contract in place. Some require 2 years. A few will consider less history in certain circumstances. Darryl will advise on the minimum contracting history required for your specific income and credit profile.
Do I need a bigger deposit as a contractor with bad credit? ›
Usually yes. The combination of contractor income and adverse credit typically requires 15-25% deposit depending on the credit issues. A larger deposit reduces risk for the lender and opens up more options. Darryl will calculate the minimum deposit needed for your specific situation.
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No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
01234 237321
contact@themortgagegeezer.co.uk
FCA No. 301173
52 Five-Star Reviews
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Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.