Contractors mortgages
Being a contractor can make getting a mortgage harder — many lenders don’t fully understand how contract income works, how stability should be assessed, or how to interpret day rates and renewals. That’s where we step in. We translate your contract, day rate, renewal history, and industry profile into a clear, lender‑ready narrative that demonstrates reliability, continuity, and affordability.
Whether you work in IT, engineering, construction, healthcare, creative industries, or any other contracting field, we help you present your income in the strongest possible way. Some lenders assess you on your day rate, others on your contract value, and some want to see a track record of renewals — choosing the right lender from the outset is what protects your borrowing power.
Our role is to remove friction, anticipate what underwriters will look for, and position your application so you’re seen as a high‑quality, low‑risk client. You get straight answers, clear expectations, and a process that respects your time and the way you work
Your home may be repossessed if you do not keep up repayments on your mortgage.
07813767348
david@tiptopltd.uk
©2026, Tip Top Mortgages LTD
Tip Top Mortgages LTD
12 Clewer hill Road
Windsor
Berks
SL4 4BS
07813 767348
david@tiptopltd.uk
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.
-Registered in England and Wales
- Tip Top Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.
-The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK
- Registered office address - 12 Clewer Hill Road, Windsor, England, SL4 4BS
-Registration number - 16333183
Tip Top Mortgages LTD charge a non-refundable mortgage arrangement fee of between £0 and £999 when an application is submitted to a mortgage lender for you. Your adviser will agree the arrangement fee with you before commencing any chargeable work. The actual amount payable will take account of your financial circumstances, the complexity of borrowing requirements and the amount of work required to fulfil your needs. The broker fee will be payable on production of the mortgage offer.