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Contractor Mortgage Specialists
Ltd Company and Umbrella Contractor Mortgage Advice without the fees
About Us
Limitless Financial Services have many years experience in helping contractors find the best mortgage and remortgage options on the market.
Unlike most contractor mortgage brokers, we won’t charge you a fee for our service. All brokers are paid by the lender on completion (yes, even the firms that charge fees). Because of this, we don’t believe you should be charged additional broker fees just because of the way you choose to work.
We are whole of market and independent, meaning we have access to the widest range of contractor mortgage options.
Our application to offer success rate is over 99.5%. Once we provide a recommendation, we’re confident we can secure the funding for you.
Limitless work closely with contractors, both inside and outside IR35, on day rate and fixed term contracts. We understand the in’s and out’s of how you work – and help you maximise your borrowing potential.
We let our service speak for itself, building our reputation organically. Here are just a few case studies of the people we’ve helped recently, you can also look us up on TrustPilot
- Max Hayden, Founder & Chief Executive
Call Us Now to speak with one of our advisers today, chat, or leave a message below!
Some of our client case studies
IT Contractor
Capital Raising for a Home Extension
Our client was looking to remortgage in order to finance a house extension. He had assumed that his employment situation was too unusual for lenders to understand.
He had just completed a contract for 12 months working inside IR35 via an umbrella company, and the previous year he had been working via his own limited company. He had just signed a new contract outside of IR35, but it hadn’t started yet.
Limitless Finance managed to secure a formal mortgage offer for the client in just 2 days from application for the full amount he required for the extension.
The client was over the moon and amazed that he didn’t have to pay a fee for this service, when similar contractor specialist firms were charging nearly £1,000 for their advice.
Renowned Architect and Company Director
Second Residential Property
Our client is a company director of multi-national design studio with 70 employees. His income was structured in a way that a typical broker or high street lender could not understand (group accounts, non-UK companies within the group)
Our Client was referred to us by one of his team. He had been turned away by his own bank, despite running a globally recognised successful design studio and having an excellent credit history.
After just one call with our Principal Consultant, Melvin Parker, we were able to source 3 lenders that would take into account his all of his company’s pre-tax profit and his salary (as opposed to just his personal income alone). Our Client was delighted when presented our recommendations the same day we reviewed his accounts.
Solutions Architect - Contractor
Capital raise for loan charge tax bill
Our Client recently remortgaged his property on a 5 year fixed product, with 4 years to go and £25k early redemption charges. It was at this point that he received a letter from the HMRC, claiming for almost 10 years worth of tax.
Faced with a £110,000 tax bill, the offer from the HMRC to spread this over 5 years was just too expensive. After being referred to us by a colleague, we were able to offer more flexible Second Charge options. This is where we leave his existing mortgage in place, and take out a second mortgage, secured against the property. We were able to secure the funds for his tax bill within 3 weeks, and reduce his monthly expenditure from £2,100 to £400. Whilst paying a tax bill isn’t often a pleasant thought, Our Client was able to move on with his life with a solution that was affordable for him.
Umbrella Contractor - Defence
Raising capital through Let to Buy
Our Client came to us after being referred by one of his colleagues at work. With a young family, he was looking to up-size, but he was also conscious that he didn’t have a large pension fund and had always dreamed of having investment property to pass on to his children.
After speaking to the team at Limitless, he was presented with an illustration that showed how he could release equity from his existing property to put down as a deposit on his new dream home, without having to sell his existing property. After doing the sums, he quickly realised the income he would make from the rental would more than offset the mortgage, and also contribute to his new home’s mortgage payments. Limitless secured offers for both the buy-to-let and new residential mortgages within a week.
Our Client was delighted with our service, in particular how we took away the hassle of obtaining mortgages so he could focus on work and his family.
Lenders we work with
We’re whole of market and work with a wide range of lenders in the UK, including:
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- Email: [email protected]
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- Twitter: @limitlessfs1
- Limitless Financial Services Ltd
Your property may be repossessed if you do not keep up repayments on your mortgage.
Limitless Financial Services Ltd, trading as “Limitless” or “Limitless Finance” is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.
Limitless Financial Services Ltd is registered in England and Wales with company number 11679467. Registered Office: Limitless Finance, IncuHive Space, IBM Hursley Park Road, Hursley, Winchester SO21 2JN.
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.
Calls may be recorded for training and security purposes and to improve the quality of our services.
*Limitless Financial Services Ltd is independent. Any use of another company’s name or logo on this site or in any promotional material does not represent an endorsement by that company.