the best deals for ENTREPRENEURS, small business owners and freelancers

Getting a mortgage if you’re not an employee can be tricky, but it’s not impossible.

We help entrepreneurs, small business owners and freelancers get the best deals and maximise their borrowing.

The best deals

Because we’re not tied to a specific lender, we can advise on all the products on offer (the technical term to look for is ‘whole of the market’). This gives you more choice, making it easier to find the right mortgage.

Maximise your borrowing

You may be able to borrow more than you thought by getting a mortgage based on your day rate rather than your income.

Our knowledge of your finances means we’re perfectly placed to assist with this and any paperwork.


with wis you’ll

Maximise your borrowing

Get the best rates

Access buy-to-let deals

Get expert advice

Contractor mortgages

Most mortgages are based on a multiple of your income. So if you run a limited company and draw a relatively small salary, for example, you may find your borrowing power doesn’t reflect your earnings.

We can help you get a mortgage that’s based on your day rate rather than how much you take out of your company.

This approach gives the lender a true picture of your earnings, which in turn can really boost your borrowing. You may walk away with a better interest rate too.

First Time Buyer Mortgages

Getting on the property ladder for first-time contractor buyers can be overwhelming.

Our team of specialist advisers can take away the stress and guide you through the process step by step.

We’ll help you find and secure a mortgage to suit your needs so your dream of owning a home can become a reality.

buy-to-let through a company

If you have substantial funds in your company and are serious about building up your property portfolio, you could consider setting up a special purpose vehicle (SPV).

This is a special type of limited company which exists solely to buy and rent property.

SPVs can help you save money as they are not affected by recent property tax changes.

As accountants, we’re always on top of tax changes and can advise on setting up SPVs.

other types of Mortgages

Here are some of the types of mortgages on offer.


Remortgaging doesn’t have to be difficult and expensive.

We can help you save money by finding a better rate or release equity in your property.

Buy-to-let mortgages

Getting a buy-to-let mortgage as a contractor isn’t impossible. With our mortgage broker partner, Blueberry Wealth, we can guide your through the process and tax implications.

Interest-only mortgages

You can still get an interest-only mortgage on up to 50% of the value of the property. We can advise on whether this is a suitable option for you.

Product transfer mortgages

Sticking with your existing lender can save your a fortune in fees and charges. We’ll review your options to make sure you get the best deal.

Credit repair mortgages

Having a less than perfect credit score or past credit issues won’t necessarily stop you getting a mortgage.

We work with specialist lenders and smaller building societies that will look beyond your credit score.

Getting on the property ladder for first-time contractor buyers can be overwhelming.

Our team of specialist advisers can take away the stress and guide you through the process step by step.

We’ll help you find and secure a mortgage to suit your needs so your dream of owning a home can become a reality.

Get in touch to discuss your circumstances


WIS Contractor Mortgages Ltd  is registered in England and Wales. Registered Number 11496588. Registered Office 4 Imperial Place, Maxwell Road, Borehamwood, England, WD6 1JN. WIS Contractor Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. Registered number 824411.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Terms & Conditions: Initially we offer a free consultation and if any fees were to be applicable to you they would be clearly explained during the free consultation. Every mortgage discussed would be assessed on two considerations, the mortgage amount and the complexity of your individual circumstances. For providing independent mortgage advice fees may apply up to a maximum of 1.5% of the loan value. If fees were to be charged we will always explain and agree with you exactly what you will be charged before you decide to proceed with an application. These fees apply to regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances.

“WIS Went Above and Beyond what was required”

“WIS has taken all of the burden that goes with setting up your own company away from me. They have continuously provided me with good advice about my company financials.” 

Simon, IT Project Manager, London

Verified review via Vouchedfor

“I have seen the outcome I was hoping for and more”

“It is such an easy process and very comforting and reassuring to know my accounts sit with WIS.” 

Nisha, IT Consultant, London

Verified review via Vouchedfor

“It’s difficult to improve a perfect company, I am extremely satisfied by the services”

“The staff are very professional and contact you by all means and get the work done in the allocated time. You need a company like WIS that you can trust.” 

Mahesh, Freelance Web Developer, Twickenham

Verified review via Vouchedfor

“They are simply the best!”

“WIS went out of their way to help me out. I am really glad I switched accountants. We have developed a relationship that I am sure will last a long time.”

Sivashankar, Business Consultant, Essex

Verified review via Vouchedfor


Contact us and will let you know quickly


You’re a business owner, not a tax
specialist so we take
away the hassle.

Wills &

Protect your loved ones
and plan for the

Pensions & Investments

Build your wealth
and save for

Contractor Protection

Tax-efficient Life Insurance and Critical Illness Insurance 


Set up a mortgage protection plan today, get in touch to find out more.