Accord Buy to Let Contractor Mortgages - Help and FAQs

I have retained a mortgage adviser regarding my remortgage because I am on a fixed term contract of four years (on a grad scheme). My contract started date last year. I am seeking a three year fixed rate mortgage. Property worth 165K, I want to borrow 132K. I purchased the property three years ago for 138K and I currently owe 120K to Accord Buy to Let

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 Accord Buy to Let in his name using our joint deposit and for me to be added at a later date?

I understand that for some banks ‘contractors’ can be a red flag to their lending decision. Are there any lenders that take the same approach to mortgages for contractors as they do for standard home loan applications. I am particularly interested in a mortgage deal with Accord Buy to Let

Even though I am a contractor (freelance journalist) do I really need to produce at least six months of both business and personal bank statements as part of the due diligence process for Accord Buy to Let.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 an engineering contractor, this evidence is unlikely to give an accurate picture of my income potential. Will a contractor-focused IFAs remove the hassle by maximising use of the expertise and contacts they have built up.