Deal Direct - the broker of choice for individual contractor mortgages.

We provide access to specialist lenders offering individual underwriting for contract workers.

As a broker specialising in contract worker mortgages, we have the contacts and expertise you need to get a mortgage tailored to your unique working circumstances and financial needs.

The experience our advisers have built up through working in this sector of the market, means they have a unique understanding of the challenges contractors face on their journey to mortgage approval.  

They know how vitally important it is to review the ‘whole of market’ in the search for a deal, as all too frequently high street lenders dismiss contract worker applications because they’re not equipped for this type of lending.

They just don’t understand the market. Which is why we at Deal Direct have dedicated our time to building close relationships with open minded lenders, ones who understand how the contractor sector operates.

While many lenders on the high street view contract workers as high risk with incomes that are difficult to assess, our panel of bespoke specialist lenders don’t. They are prepared to make a mortgage offer based on contract rate alone.

Let us prove to you there are lenders out there who are prepared to make you a highly competitive offer.

Why choose us?

• We are an independent ‘whole of market’ broker with an excellent reputation and mortgage approval record.
• We have vast experience helping contract workers to successfully secure a mortgage offer and gain mortgage approval.
• Our relationships with specialist lenders means we can find you a low rate offer even though you’re not considered as a permanent employee.
• We work hard to ensure that you are not penalised for your choice of work.
• We offer a personalised mortgage service provided by your own dedicated mortgage adviser.
• We offer bespoke contractor arrangements and a dedicated service that is second to none.
• We keep ourselves up to date on all market changes, lending criteria adjustments and new product releases.
• Our close relationships with contractor lenders means we can offer exclusive products and mortgage ‘specials’, made available to a limited number of clients through certain broker channels.

If you would like to find out what special offers are available at your deposit level call 0800 048 8828.

Stepping towards a successful mortgage application.

The first step is for us to make an assessment of your circumstances to ensure we fully understand your mortgage requirements and needs. We make sure that when we go out to market to source you a mortgage offer, we know exactly what you need to ensure we get you the right mortgage at the right rate.

Tips to increase your chances of mortgage approval.

• Use contractor mortgage specialist – Deal Direct.

Choosing the right specialist broker is the first thing that you need to do to increase your chances of mortgage success. In using us you can be sure that you have chosen a broker with the right experience to get you the deal you need.

• Make sure your contract is up to date.

This might sound obvious but it’s something that some contractors overlook. It is vital to ensure you have a signed and up to date contract that clearly shows your day rate.

• Ensure your credit rating is the best it can be.

This is the case whatever your working circumstances. It’s vital to work on making your credit rating look as good as it can be. Make sure you pay all bills on time, check that you are on the electoral roll and ensure all information held by the credit reference agency is correct. If you spot errors apply to sort them out.

•  Be realistic about how much you can truly afford to borrow.

By being realistic about the level of monthly mortgage repayments you can afford, you can increase your chances of mortgage acceptance. Don’t try to bite off more than you can chew as a lender is more likely to say no.

For contractor mortgage advice call us at Deal Direct today. Our advisers know which lender to contact to help you climb on the property ladder or remortgage.

To find out how we can help you secure a contractor mortgage call 0800 048 8828.