ABOUT US
BOOSTPAY MORTGAGES
Making mortgages simple for self-employed workers and contractors.
FIND OUT MORE
Designed specifically for small business owners, self-employed contractors, freelancers and PAYE umbrella employees, our specialist mortgage broker service takes the hassle out of finding the right mortgage for you. BoostPay Mortgages scour the market to find the best deals for you, maximising the amount you can borrow.
Why Choose BoostPay Mortgages?
Free Mortgage Market Tracker
The free BoostPay Mortgages Market Tracker analyses the mortgage market everyday and let's you know when you can save money on your mortgage.
Scanning the Full Mortgage Market
Our expert advisors can access the full mortgage market to get the best product for you including exclusive deals not available on the high-street.
Helping You Buy with Rapid Decisions
When you're buying a home in a competitive market, speed matters. That's why we can usually offer a Decision in Principle within 1 hour.
DESIGNED FOR SELF-EMPLOYED WORKERS
FREE MORTGAGE MARKET TRACKER
Our Free Mortgage Market Tracker analyses the market 24/7 and alerts you immediately if there is a product that can save you money. We'll also update you regularly on the current value of your property and your loan to value level.
SEE HOW MUCH YOU CAN BORROW
Fill out your details below for an estimate that may be available to you.
Rough intake per week-day
Any loans, credit agreements, dependant costs etc.
You may be able to borrow up to
Let's talk about it and see what we can do. Email us now to get an accurate figure.
If your income is above £75,000 per annum, you may be able to borrow a higher amount with some of our specialist lenders. Contact our expert advisors to find out more.
These figures are estimates and are not a guarantee of how much you can borrow. Do not use this as financial advice. Get in touch for advice, or a more accurate offering.
REQUEST A CALLBACK
Book a call with one of our mortgage advisors and find out what options are available to you.
Making Mortgages Simple
Working with our self-employed mortgage advisors, you'll by supported by an expert who understands the specific nature of your business and income. They'll help you secure the best deal in the market for your situation, making self-employment mortgages simple.
Contact Us
I've just started as a contractor on a day rate, can I get a mortgage?
Yes. Many contractors assume they can't, but specialist lenders are used to assessing day-rate income and often just need your contract details rather than years of accounts.
When's the right time to contact a broker?
As soon as you start thinking about it. A good time is when your current deal is around 7 months from ending, so we can start tracking the market on your behalf. Our brokers monitor rates right up until the day before your deal ends and, if a better one comes along, we'll switch you to it, so you're never paying more than you need to and always have peace of mind. If you're buying a new home, it's best to speak to us before you start viewing properties. We can get you a Decision in Principle in place, putting you in a stronger position as a buyer and helping you move faster when you find the right home.
Do I need to be self-employed?
No. We help contractors, sole traders, limited company directors and PAYE umbrella workers alike, whatever your setup, we know how to present it to lenders.
What information will you need?
Just the basics to start: ID, proof of address, and details of your income and outgoings. If you're a contractor, this usually includes your current contract or day rate details. We'll guide you through anything else as we go, so it's far less daunting than it sounds.
How much could I borrow?
It depends on your income and circumstances, but contractor income is often assessed more generously than a quick online calculator suggests, although it can give you a guide. Get in touch with one of our specialist brokers for an accurate figure based on your individual circumstances.
I've only got a short contract or trading history, is that a problem?
Not necessarily. Some lenders will still consider you, especially if you have relevant experience in the same line of work beforehand, or a solid history of contract renewals. It's worth having a conversation with us rather than ruling yourself out.
How quickly can I find out what I can borrow?
Usually within a 30 minute phone call, we can typically get you a Decision in Principle fast, which helps if you're up against other buyers. We charge no upfront fees for having a conversation with a broker, so there's nothing to lose by finding out where you stand.
Do you only look at high-street lenders?
No. We're independent, directly regulated by the FCA, and have access to the whole market, including exclusive deals for contractors and umbrella workers that you won't find on the high street or through a single lender alone.
Can you help me if I alreadfy have a mortgage?
Yes, we can help you with your re-mortgage process. Even if you're tied in, it's still often worth a conversation with our brokers to understand the best option for you. Signing up for our free mortgage market tracker will also keep you updated on the best deals in the market for you.
About BoostPay Mortgages
BoostPay Mortgages is an appointed Representative of Seico Insurance & Mortgages Ltd for mortgage broking purposes. Seico Insurance & Mortgages Ltd is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 300024.