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This content is for intermediary use only. If you're a mortgage customer, please
click here.
Up to 6x LTI for eligible borrowers and reduced stress rates on 2 & 3 year fixed products.
Increased flexibility for contractors, allowing gross income affordability assessment for CIS and zero-hours workers, as well as sole trader and limited company day rate.
Max loan now up to £1m at 95% LTV on Level 1 and increased max age limit.
We take a flexible, case-by-case approach to affordability, looking beyond salary alone to consider dividends, profit shares, and other forms of income.
We support a wide range of contractor types, now including CIS and zero-hour workers, as well as first-time self-employed clients with at least 24 months’ experience in a similar role. With lending available up to 95% LTV, loan-to-income multiples up to 6x, and a team of dedicated residential specialists, we help you unlock more opportunities for clients who need a mortgage tailored to their circumstances.
We’ve refreshed our residential range to help more first-time buyers and those with small deposits, access the lending they need.
Up to 95% LTV mortgages available at level 1, increased loan to income multiples, now up to 6x for eligible borrowers and reduced stress rates on our 2 & 3 year fixed products, we’re helping you to unlock more first homes with confidence.
Our improved residential criteria aims to help more clients with complex credit get back on track, helping more people with previous financial issues, even clients on a maintained debt management plan. Minor defaults and CCJs up to £300 won’t hold them back, and we take a balanced view on older secured arrears.
We help unlock doors for self-employed clients, contractors, and those with multiple income streams, where every case is manually reviewed by an experienced underwriter, ensuring real decisions for real people. With strong support for complex income types and competitive residential and remortgage options, we’re here to help you find the right fit for every client.
Aldermore is giving you and your contractor clients more choice and flexibility, so they can access the mortgage they need.
Contractors in the UK are a pretty diverse bunch, from locum doctors to IT professionals and supply teachers, contractors work under many different structures and arrangements. This means their finances don’t always neatly fit into either a standard employed or self-employed underwriting approach. At Aldermore, we don’t believe this makes them unsuitable for a mortgage.
For owner-occupied and individual buy to let applications. You can log in to our Residential Mortgages Broker Portal or register here.
Download our residential mortgages lending criteria.
Use our handy affordability calculators for residential and buy to let mortgages to check how much your client could borrow for the application property.
With our fee free and hassle free mortgage product switch, your clients can switch to a new deal with ease. Read more about mortgage switching with us.
Find out what you need to complete a deal as quickly as possible.
IF YOUR CLIENT FAILS TO KEEP UP PAYMENTS ON THEIR MORTGAGE THEIR PROPERTY MAY BE REPOSSESSED.