Adam & Company Contractor Mortgages - Help and FAQs
Here at LENDERmonitor we receive regular similar questions from visitors enquiring about whether Adam & Company offer contractor mortgages. We collated some of the more common contractor mortgage questions but if you have any specific questions about Adam & Company and contractor mortgages please complete our enquiry form and we see if we can arrange for an expert to contact you directly.
I am seeking some mortgage advice. I am currently on a grad scheme, 12 months into a two contract. the chances of me being moved onto a permanent contract are slim. So I suppose my question is, will Adam & Company even consider me for a mortgage before then? Is there such thing as a ‘contractor mortgage’?
What is the situation with contractor mortgages and Adam & Company? I am a contractor but my OH has a permanent job. Will Adam & Company take my salary were we to make a joint application?
I’m in a bit of an onerous situation in as much as I and my partner are both self-employed (contractors) without any great accounts to show, although things are on the up I hope for this to change shortly. Basically my question for you is how hard would it be to get a 95k contractor mortgage with a lender such as Adam & Company?
Myself and my husband are currently about to apply for a mortgage with Adam & Company. Next month I commence working as a contractor. My husband is full time employed and so does have a healthy salary. Is it going to be a case of just getting a non-contractor mortgage with Adam & Company in my husband’s sole name?
My research online suggests that mortgage lenders in the main consider contractors as high risk applicants; so demand 3 years’ accounts to validate mortgage affordability. In my case as a media contractor, this evidence is unlikely to paint an accurate picture of my income potential. Will a contractor-focused IFAs utilise bespoke underwriting with lenders such as Adam & Company.
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