Better Results
Guidance
Contractors
If you’re a day rate contractor, you’ve probably noticed how hard it can be to secure a mortgage. Despite you earning as much as – or even more than – permanent staff, many lenders hesitate to approve your application or offer you less than you need to buy the home you want.
So why does this happen?
It’s because traditional lenders struggle to understand contractor income. They focus on straightforward salaries, so your mix of a low salary and high dividends often results in you being able to borrow a much smaller amount than you’d hoped for.
This can leave you in a predicament. Do you draw more dividends and pay higher taxes to qualify for a larger mortgage? Or do you settle for a smaller house?
It’s difficult to know what to do and to make matters worse, you’re often faced with piles of paperwork to fill in, only to be turned down anyway after you’ve spent hours completing it.
But It Doesn’t Have to Be This Way
At PRG Partnership, we specialise in helping day rate contractors secure mortgages based on their actual earnings.
We use your day rate to get the maximum borrowing you deserve so there is no need to adjust your income or pay extra taxes.
We have access to over 100s of lenders so we can find you the most competitive rate no matter your situation.
We take care of everything – from finding the right mortgage deal to handling all the paperwork – so you can focus on what truly matters: your next purchase, your contract, and your clients.
GET A FREE QUOTETake the First Step Today
Fill out our quick enquiry form or give us a call to set up your free initial consultation. We’ll help you: Borrow more, Save money & Move into the home you deserve!
or call us: 020 3355 3656
Why Choose Us?
We bring specialist expertise to the table, with a deep understanding of contractors and their unique financial needs. Our whole-of-market access, ensuring you get a great rate, saving you both time and money.
Unlike many lenders, we offer a truly personal service.When you contact us, you will speak directly to an expert, not a call centre. Plus, we prioritise your convenience, offering flexible consultations over Zoom, including at evenings and weekends, so you can get the guidance you need on your schedule.
As a whole-of-market broker, we have access to over 12,000 mortgage options from 100s lenders – far more than other brokers. Even if your bank has turned you down, we’re confident we can find a lender who understands your situation.
And don’t worry if you’ve had minor credit issues in the past. We work with lenders who are willing to ignore small marks on a credit file.. Plus, we can still use your day rate to secure the most competitive mortgage for you.
You shouldn’t miss out on your dream home just because you approached the wrong lender. With our expertise, we can often secure a decision in principle on the same day, as we know exactly which lenders to approach.
This puts you in a strong position with estate agents, showing that you’re ready and able to move forward with your purchase.
We’ve been helping day rate contractors secure mortgages for years and this is what we do day in day out.
We will thoroughly assess your situation before submitting any applications. This means we only approach lenders where you’re likely to be approved, avoiding unnecessary rejections that could waste your time or harm your credit score. By being strategic and precise, we protect your credit while finding the right mortgage for you.
We use cutting-edge software with advanced algorithms to quickly identify the right mortgage deals for you. Our technology goes beyond simple rate comparisons. It analyzes key factors such as your income type, day rate, work history, and financial commitments. This in-depth assessment allows our system to pinpoint the most suitable lenders and mortgage options for your situation.
We understand that contractors do not work traditional 9–5 hours, and neither do we. Our goal is to make the mortgage process as smooth and stress-free as possible by offering:
- Flexible evening and weekend appointments to fit your schedule
- A personal, one-on-one service where you’ll always speak directly with an expert – never a call centre
What Our Customers Say
Outstanding service in arranging our mortgage. They were incredibly diligent and worked tirelessly to secure the most competitive rate available in the market. Throughout the process, he was highly responsive and always approachable, making us feel confident and well-informed every step of the way. We truly appreciate the dedication and would highly recommend the services to anyone looking for a reliable and professional mortgage advisor.
Client
Personable, professional and thorough is how I'd describe the service I received. Got the job done under very difficult circumstances. I happily endorse team in the future.
Client
The service I have received from start to finish has been superb! Everything was explained to me in great detail so I fully understood the situation before making any decisions. Always on hand no matter what day/time if I ever needed a question answering - very polite and professional. This also made the whole mortgage process so stress free. Would 100% recommend
ClientYour mortgage journey, simplified
We will find the right solution, so you can secure your home without the hassle.
Get In Touch
Call us or complete the enquiry form. An adviser will call you back. We don’t have call centres so that adviser will be your point of contact throughout.
We’ll find you the right mortgage
Once we’ve taken a few details we’ll compare 1,000s of deals from over 70 lenders to find the one that is the right fit for you.
We’ll do all the heavy lifting
Sit back and relax while we submit your application and all the required paperwork, keeping you regularly updated along the way.
..until your mortgage is approved!
With our help you’ll have the greatest chance of being accepted for the mortgage you need at a competitive rate.
Mortgages for Day Rate Contractors
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Smart Tools for Better Results
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Save Time with Expert Guidance
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Fast Decisions
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Tailored Support for Contractors
Take the First Step Today
Fill out our quick enquiry form or give us a call to set up your free initial consultation. We’ll help you: Borrow more, Save money & Move into the home you deserve!
or call us: 020 3355 3656
Take the First Step Today
Fill out our quick enquiry form or give us a call to set up your free initial consultation. We’ll help you: Borrow more, Save money & Move into the home you deserve!
or call us: 020 3355 3656
