Bespoke Mortgage Secured for Buyer on a Fixed-Term Contract

Image of bespoke mortgage secured foor buyer on a fix-term contract.
Monday August 16, 2021

Mortgages can be a lot to take in and often leave borrowers with many questions, mainly if they are self-employed or on a fixed-term contract. But speaking to a mortgage expert can help by matching you with the right lender for your specific needs. As a contractor on various fixed-term contracts, getting a mortgage can underwhelm lenders, who, since the financial crash in 2008, have been risk-averse. Being on a fixed-term contract does not preclude you from getting a mortgage, but lenders will want to see your earnings record.

Case profile

The client approached us to raise finance for a £1.5m property based in the South East of England. He struggled to arrange the finance himself using mainstream lenders due to his income structure. The client’s income was not regular, and his revenue stream came from three different companies. Moreover, part of the client’s income was paid in foreign currency. We were confident we could draw upon our network to source a lender happy to accept the client’s income structure.


Our client was thrilled with the offer sourced! Associate Director Nigel Bedford found a high street lender with market-leading rates who was comfortable to accept the client’s income partly made up of foreign currency and an income from three umbrella companies. The mortgage was offered on a part interest-only, part repayment basis, with most of the loan on an interest-only mortgage. This bespoke mortgage offer means that our client can be comfortable paying off the mortgage while allowing him flexibility for his cash flow.

Are you struggling to secure a mortgage deal? If you’re self-employed, on a fixed-term contract, or get paid in multi-currency, talk to one of our experts today on 020 7519 4900We work with specialist lenders that take a bespoke approach to assessing individual cases. We have access to solutions you just can’t find on the High Street, and we take a bespoke and tailored approach to every single client case.

If you are looking to take out an Interest only-mortgage, its important you seek expert professional advice. At the end of an interest-only mortgage, the full capital of the loan will need to be repaid to the lender. You must ensure you have a suitable repayment strategy in place and monitor its performance regularly to ensure it will cover the full loan at the end of the term.

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Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home. is a trading name of Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Ltd is a licensed credit broker, and not a lender. Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.
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