RBS - Direct Line Contractor Mortgages - Help and FAQs

I am an engineering contractor looking to buy a home in Nottingham. My next step is to secure a mortgage preferably with RBS - Direct Line. Am I best advised to contact RBS - Direct Line directly or seek the help of a contractor specialist mortgage broker who focuses on dealing with contractors and RBS - Direct Line.

My existing mortgage lender had given us consent to let. My situation changed last year, I started my own company and started working as a contractor. Are you able to recommend a lender who specialises in contractor mortgages?

I understand that for some lenders ‘contractors’ can be a red flag to their lending decision. Are there any lenders that take the same approach to mortgages for contractors as they do for standard home loan applications. In particular I have my eye on a mortgage deal with RBS - Direct Line

Notwithstanding that I am a contractor (freelance journalist) do I really need to have three years of accounts in order to apply for a mortgage with lend? Do RBS - Direct Line even grant mortgages to contactors ?

I am lead to believe that mortgage lenders mostly consider contractors as high risk applicants; so demand 3 years’ accounts to substantiate mortgage affordability. In my case as a media contractor, this evidence is unlikely to give an accurate picture of my income potential. Will a contractor-focused IFAs persuade lenders such as RBS - Direct Line to offer funds on the more realistic basis of my contracted rate.