Buying your first home as a contractor can feel overwhelming - but it doesn't have to be. With the right approach, you can secure a mortgage that reflects your true earning potential. Here's exactly how to make it happen. Why Contractor First-Time Buyers Face Extra Hurdles The "Payslip Problem" Most high-street lenders want 3+ years of account

Key Qualification Paths for Creatives Retainer Contracts (Treated as Permanent Income) Ongoing monthly retainers with clients can be assessed similarly to salaried income. Example: A UX designer with £3,500/month in retainers qualifies like a £42k salaried employee. Recurring Client Lists (Proving Income Stability) Lenders value long