Allied Irish Bank Contractor Mortgages - Help and FAQs

I am seeking some mortgage advice. I am currently on a grad scheme, 18 months into a two contract. the chances of me being moved onto a permanent contract are slim. So I suppose my query is, will Allied Irish Bank even consider me for a mortgage before then? Is there such thing as a ‘contractor mortgage’?

For three years now I have been a self employed contractor. Mortgage options are being looked at but it's a minefield. Is it worth me considering whether it would be possible for my boyfriend to get the mortgage with Allied Irish Bank in his name using our joint deposit and for me to be added at a later date?

How can I make myself more attractive to a lender such as Allied Irish Bank when it comes to trying to get a contractor mortgage. I would like to understand the process and requirements to avoid unwelcome surprises.

Notwithstanding that I am a contractor (HR consultant) do I really need to have three years of accounts in order to apply for a mortgage with lend? Do Allied Irish Bank even grant mortgages to contactors ?

I am lead to believe that banks and building societies mostly view contractors as high risk applicants; so require 3 years’ accounts to substantiate mortgage affordability. In my case as an IT contractor, this evidence is unlikely to paint an accurate picture of my income potential. Will a contractor-focused mortgage broker persuade lenders such as Allied Irish Bank to offer funds on the more realistic basis of my contracted rate.