Hampden Contractor Mortgages - Help and FAQs

I am seeking some mortgage advice. I am currently on a grad scheme, One year into a three year contract. the chances of me being moved onto an employed basis are slim. So I suppose my query is, will Hampden even consider me for a mortgage before then? Is there such thing as a ‘contractor mortgage’?

For two years now I have been a self employed contractor. Mortgage options are being looked at but it's problematic. Is it worth me considering whether it would be possible for my boyfriend to get the mortgage with Hampden in his name using our joint deposit and for me to be added at a later date?

I am a media contractor looking to buy a home in London. My next step is to secure a mortgage ideally with Hampden. Am I best advised to contact Hampden directly or seek the assistance of a contractor specialist mortgage broker who focuses on dealing with contractors and Hampden.

What criteria does a mortgage lender (for example Hampden) use to class a borrower as a contractor or self-employed. For instance does one have to own more than a particular percentage of a business?

I am lead to believe that mortgage lenders mostly view 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 broker specialising in contractor mortgages remove the hassle by maximising use of the expertise and contacts they have established.