Hodge Contractor Mortgages - Help and FAQs

I have been dealing with an IFA concerning my remortgage because I am on a fixed term contract of 3 years (on a grad scheme). My contract started date earlier this year. I am looking for a three year fixed rate mortgage. Property value £325k, I want to borrow £150,000. I purchased the property three years ago for 138K and I currently owe 120K to Hodge

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

I am an IT contractor looking to buy a home in London. My next step is to secure a mortgage preferably from Hodge. Should I contact Hodge directly or seek the services of a contractor specialist mortgage broker who is used to dealing with contractors and Hodge.

Even though I am a contractor (IT 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 Hodge.I am not convinced that my broker is correct.

I am lead to believe that mortgage lenders generally consider contractors as high risk applicants; so require 3 years’ accounts to validate mortgage affordability. In my case as a finacial contractor, this evidence is unlikely to reflect an accurate picture of my income potential. Will a broker specialising in contractor mortgages utilise bespoke underwriting with lenders such as Hodge.