Better HomeOwnership Contractor Mortgages - Help and FAQs

I am seeking some mortgage advice. I am currently on a grad scheme, 12 months into a two contract. However, I'm unlikely to be moved onto a permanent contract until around June time. My query is, will Better HomeOwnership even consider me for a mortgage before then? Is there such thing as a ‘contractor mortgage’?

I have retained a broker regarding 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 5 year fixed rate deal. Property worth £325k, I want to borrow £150,000. I purchased the property four years ago for £157,000 and I currently owe 120K to Better HomeOwnership

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 Better HomeOwnership in his name using our joint deposit and for me to be added at a later date?

I am finding the process of trying to obtain a contractor mortgage very frustrating. There doesn't seem to be many lenders who really understand my situation and the peculiarities of being a contractor. Are there any mortgage underwriters who apply a common sense to ensure getting a contractor mortgage is as straightforward as possible.

Even though I am a contractor (HR consultant) 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 Better HomeOwnership.I am not convinced that my broker is correct.