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Self Employed Mortgage Calculator Asessor

The questions on most new or even experienced self employed workers minds when it comes to mortgages are:

  1. What size mortgage can I get being self employed?
  2. How much will the repayments cost?
  3. Is it difficult to get a mortgage as I'm self employed?
  4. Can I even get a mortgage as I'm self employed if I don't have years of accounts I can submit?

Most contractors will know somebody or know of somebody who has had a nightmare getting a mortgage.

Well maybe it used to be like that a few years ago, however with the huge number of permanent employees choosing to move to contracting and work through their own limited companies, lenders have had to alter their view of the self employed. It is now relatively easy to obtain a mortgage providing you use a competent specialist broker.

At Easy, we looked long and hard to find such a company, our preferred partner is Contractor Mortgages Made Easy (CMME) the UK's leading contractor mortgage broker. Contractor Mortgages Made Easy are eager to prove that you can easily secure the same 'High Street' mortgages as a permie - it's simply a case of making use of the expertise and contacts that they have built up over many years.

Contractor Mortgages Made Easy are directly regulated and authorised by the Financial Services Authority. They are pleased to be able to offer full advice whereas many institutions will now only provide you with an 'information only' service.

They also provide what is referred to as a 'whole of market service', which means they can advise you on and arrange a suitable mortgage from all the lenders and from their entire product range meaning you have more time to focus on contracting.

So back to the first question 'what size mortgage can you get as a contractor?', for ball-park figure as to the loan size that you can aim for, simply enter your contract rate in our mortgage assessor below:

Contract Rate
(£ per hour)
Mortgage Amount (£)

For likely monthly repayments for any given interest rate try our Contractor Mortgage Calculator.

If you are looking to take that first step on the ladder, or to remortgage an existing property, then Contractor Mortgages Made Easy will help you find a solution to suit your needs. Whether you want to find out the best rates available or help calculating how much you can borrow based on your contract rate alone, call 01489 555080, email CMME on or fill out the form below:

Contractor Mortgages Made Easy is a trading name of Mortgages Made Easy Limited. Authorised and regulated by the Financial Conduct Authority (FCA reg. 414798).Registered in England No. 4886692 Registered Office: 9 London Road, Southampton SO15 2AE.Your home may be repossessed if you do not keep up repayments on your mortgage.

Why Clients Choose Easy Accountancy

Easy Accountancy offers a low cost, fixed fee accountancy package with all clients receiving their own dedicated, friendly, approachable accountant.

All of our accountants specialise in providing accountancy services to the self-employed, freelancers, sole traders, small to medium sized limited companies and private individuals. All accountants are employees of Easy Accountancy and we never outsource or offshore work.

Our low cost, all-inclusive fixed-fee accountancy service includes unlimited access to your own dedicated accountant throughout the year and covers all your business and personal tax affairs needs.

All our accountancy services include:
  - Unlimited access to your accountant
  - Ongoing advice on how to manage your business
  - Proactive tax advice throughout the year
  - Updates and reminders so you'll never miss a deadline
  - Free bookkeeping software

As a sole trader our fees start at just £60 + VAT a month, for this you receive the above plus:
  - Completion of your Self-Assessment tax return
  - Advice on how much Income Tax to pay
  - Guidance on National Insurance contributions

As a limited company our fixed fee packages are bespoke to your needs, however typically you’ll receive the above, plus:
  - Completion of your year end accounts*
  - Completion and submission of your annual return Companies House
  - The director/s Self Assessment tax return
  - Payroll bureau
  - Dividends and corporation tax computations

We’ve saved our clients up to half on their accountancy bills – if you’d like a quote, click on the quote me button to the right of this page. Alternatively, call us on 01442 275767 or email

*If you would like us to complete your company year end accounts we simply ask that you have been a client of Easy Accountancy for one year or have made 12 monthly payments.