Topaz Finance Contractor Mortgages - Help and FAQs

I am looking for some mortgage advice. I am currently a media contractor, 18 months into a 2 contract. However, I'm unlikely to be moved onto a permanent contract until around June time. So I suppose my question is, will Topaz Finance even consider me for a mortgage before then? Is there such thing as a ‘contractor mortgage’?

I am Oil & Gas contractor looking to buy a home in London. My next step is to secure a mortgage preferably from Topaz Finance. Am I best advised to contact Topaz Finance directly or seek the assistance of a contractor specialist mortgage broker who focuses on dealing with contractors and Topaz Finance.

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 75k contractor mortgage with a lender such as Topaz Finance?

I am finding the process of trying to obtain a contractor mortgage very frustrating. There doesn't seem to be many lenders who really understand my situation and the peculiarities of being a contractor. Are there any mortgage underwriters who apply a common sense to ensure getting a contractor mortgage is as straightforward as possible.

I am lead to believe that mortgage lenders mostly view contractors as high risk applicants; so require 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 utilise bespoke underwriting with lenders such as Topaz Finance.