Bank of Ireland Contractor Mortgages - Help and FAQs

I am looking for some mortgage advice. I am currently on a grad scheme, One year into a two contract. However, I'm unlikely to be moved onto a permanent contract until around March time. My query is, will Bank of Ireland even consider me for a mortgage before then? Is there such thing as a ‘contractor mortgage’?

Myself and my husband are currently about to apply for a mortgage with Bank of Ireland. Next month I commence working as a contractor. My husband is full time employed and so does have a meaningful salary. Is it going to be a case of just getting a non-contractor mortgage with Bank of Ireland in my husband’s name only?

My existing mortgage lender had given us consent to let. My situation changed last year, I started my own company and started working as a contractor. Are you able to recommend a lender who specialises in contractor mortgages?

As a contractor (HR consultant) is it necessary for me to produce at least six months of both business and personal bank statements as part of the vetting process for Bank of Ireland.I am not convinced that my broker is correct.

I am lead to believe that banks and building societies mostly consider contractors as high risk applicants; so demand 3 years’ accounts to validate mortgage affordability. In my case as an IT 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 Bank of Ireland.