We are a leading provider of impartial mortgage advice in London and the South East, specialising in all types of mortgages. We are experts in large residential mortgages, buy to let mortgages, development finance, bridging finance and commercial mortgages. In addition to high street lenders, we have comprehensive links with private banks, boutique lenders and offshore banks. Working with these financial institutions, we are dedicated to finding our clients the best possible mortgage interest rates available and a product that is best suited to their needs.

Contact Us

To discuss your mortgage requirements with one of our fully qualified professional advisers, please call us now

0203 432 1423

Summit Capital Mortgages LLP
Warnford Court, 29 Throgmorton Street
London, EC2N 2AT

Or click here for more contact options.

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Contractor Mortgages

For many people, the chance to work as a contractor rather than being employed comes with a great deal of advantages. However, the downside is that working on a fixed term contract basis can make it harder to find a mortgage. In recent years, many high street lenders have been unsympathetic to contractors, resulting in the number of mortgage products available to these individuals falling. One of the main issues is that some high street lenders fail to understand that an individual working under a contract doesn’t exactly fit into the employed or self employed category. Unfortunately with some lenders, if you are unable to fit their rigid criteria exactly, they will not lend.

However, there are still a number of ‘open minded’ lenders that recognise contractors are low risk borrowers, who are able to show a history of consistent levels of income and specialised skill sets in sought after industries. This has led to some banks offering mortgages based on the annual gross value of the contract and providing highly competitive rates.

In the current market, you need to work with a mortgage broker that you can trust. Summit Capital Mortgages has many years of experience working with contractors and placing them with banks that are open to this kind of business.

Once the mortgage application has been submitted to the lender, we manage the process through to offer and liaise with your solicitor, so as to minimise any delays in your purchase or remortgage.

To learn more about these products, simply call one of our consultants on 0203 432 1423 or click here for more contact options.