Danbro umbrella

Mortgages for Contractors

Struggling to get a mortgage as an umbrella company contractor? Unsure how much you can borrow? We’re on hand to help…

Danbro umbrella

Umbrella Company
Contractor Mortgages

Getting a mortgage as an umbrella company contractor can be tricky. It can prove a time-consuming and frustrating process. Not all advisers and lenders understand the way you work, and you’re often seen as a ‘higher-risk’ borrower – even if your finances suggest otherwise. Fortunately, the team at Danbro Financial Planning are in your corner.

As part of the Danbro Group, the team at Danbro Financial Planning understand how you operate and how you get paid as an umbrella company contractor. So, we’re perfectly placed to advise you on your contractor mortgage options – regardless of how complex your circumstances may be. In fact, the more challenging the better!

specialist contractor mortgage brokers

With access to a wide range of lenders across the market, our specialist team will independently broker the best available mortgage deal for you and your family. Our job is to help you find a suitable mortgage – or re-mortgage – deal that befits your needs, your budget, and your ambitions. Your job? Your job is to work out what you want and let Danbro Financial Planning help you find your way home.

First Time Buyer

Taking that first step on the property ladder is an important milestone in your life. But, we understand that it can be as daunting as it is exciting. Particularly if you work on a contract basis. So, if you’re unsure about your mortgage eligibility, or how much you’re entitled to borrow as a contractor, we’re here to help.

Thanks to our industry-leading experience and in-depth market knowledge, not to mention our longstanding relationships with reputable providers, we can match you with the right lender for your circumstances. We want to help make this momentous experience as satisfying and stress-free as it should be.


Whether you’re a first-time landlord or if you’re adding another property to your portfolio, you need to know you’re getting the best deal on your buy-to-let mortgage. Get it wrong and another mortgage might mean another headache.

By harnessing the expertise of a specialist broker like Danbro Financial Planning, you’ll have the support you need to buy with confidence. Our dedicated team will assess your circumstances, analyse the appropriate lenders, and give you the support you need to secure a buy-to-let mortgage that works for you.

The Financial Conduct Authority does not regulate Buy-to-Let mortgages.


Are you looking to raise funds, consolidate debt, or find a better mortgage rate? Perhaps your current deal is up for renewal and you want to see what’s out there. Or, maybe you’re considering releasing equity from your property to extend or renovate – transforming your current home into your dream home.

Whatever your reason for re-mortgaging, we’ll search the market to help you switch to a deal that works for you. Furthermore, if you have adverse credit or a complex contracting history, we’re keen to help you re-mortgage where others would shy away.

Moving Home

They say moving house is one of the most stressful things you can do in life. And, it can become even more complicated if you’re not a ‘traditional employee’. That’s why we’re here. We know the market. And, as part of the Danbro family, we know how you operate as a contractor too.

From initial advice on mortgage services through to sale and completion, we’ll work alongside you to save you time, money, and stress! Whatever stage you’re at in your contracting career – and in your life – we’ll help you get moving faster.

Your home may be repossessed if you do not keep up repayment on your mortgage.

Your Contractor Mortgage Journey

Initial Consultation

We invite all our clients for an informal consultation with one of our Mortgage and Protection Specialists. Our experienced team are happy to meet you in person, for a chat over the phone, or via video call – whatever is easiest for you. There’s no obligation and no initial charge. It’s just a relaxed discussion that allows us to get to know one another, and build a clear picture of your targets and ambitions. We’ll assess your mortgage feasibility and talk you through the application process, as well as our services and any associated fees.



Once we’ve understood your goals, it’s time for us to get to work. We’ll research the latest mortgage deals, assess them in accordance with your specific requirements, and narrow down the appropriate lenders. The team will talk you through your potential deals and repayment methods, and present their recommendations to help you move things forward. Our approach to contractor mortgages is a completely collaborative one.



When you’re happy with what’s on offer, it’s time to get your contractor mortgage – or re-mortgage – application moving. This is where it gets exciting. We can arrange your agreement in principle and seek a formal quotation from your chosen lender. This involves a ‘soft’ credit search and a ‘mini-application’. So, it helps that we know which lenders to approach as per your circumstances. If successful – and subject to underwriting – you’ll have a shiny new agreement in principle as evidence that you’re in a position to proceed!


When you’re ready to move, we’ll take care of all the formalities for you. Once your mortgage application is good to go, the lender will conduct their final checks. This could include things like surveys and valuations. They’ll then present you with a formal mortgage offer. After your solicitor has completed their legal checks, and arranged the exchange of contracts and the formal completion, you’ll finally get your hands on the keys to that dream home or buy-to-let property!


What’s more, our service doesn’t stop there. As well as assisting you with any other property-related challenges, our specialist team offer holistic, independent financial and wealth management advice to help ensure your mortgage and financial plans are working for you. We don’t just want to help you apply for a mortgage, we want to help you get where you want to be – at a pace that suits you.

Meet Our Mortgage Specialists


Mortgage &

About Sharon
Having joined the Danbro family in April 2020, Sharon is an experienced member of team DFP. Sharon is a qualified mortgage professional with 25 years’ worth of experience in the industry, so she brings a wealth of knowledge to her role as our Mortgage & Protection Specialist.

‘Complex cases’ are her norm, Sharon says, and she specialises in helping secure mortgages, re-mortgages and second charge loans for: contractors, first-time buyers, self-employed workers, and people with adverse credit histories or unusual incomes.

Schooled in Preston, which remains her home town, Sharon’s main responsibility is liaising with clients to understand their needs and provide expert advice on suitable mortgage and protection arrangements, depending on their circumstances.

Although she’s extremely passionate about her career, and her clients, Sharon has a busy home life too. Her youngest son, Ethan, is a promising footballer, while elder son, Jacob, is a musician. Sharon is also well on the way to achieving a black belt in self-defence karate!

Sharon’s Favourite:

City: Preston, after all, it’s my home town!

Film: This changes on a weekly basis, but Gladiator is the one I go back to most often.

Food: Steak in Roquefort Sauce with a nice glass of wine: Simple.

Sport: I’m a Football Mum to my youngest son and I’m also a big Liverpool fan.

Pastime: Music is my main passion, I love all different types and was previously a musician myself. Other than that it’s watching football and watching films.


Mortgage &

About Susan

Susan Simpson is one of our Mortgage and Protection Specialists. She previously worked as a Mortgage Advisor for an estate agency, which allowed her to develop an excellent understanding of all sides of the property market.

Susan has a breadth of knowledge and is particularly adept at supporting homeowners who are looking to refinance, and helping first-time buyers secure the keys to their new home.

Away from work, Susan is a keen swimmer and cyclist – you can often find her cycling along Preston’s famous Guild Wheel – and is also partial to the odd spa day. But most of all, she enjoys socialising with friends and spending time with her family.

Susan’s Favourite:

City: Vancouver – I spent time travelling round North America in my younger days.

Film: Pearl Harbour. It has to be… I do like a good cry!

Food: Burgers. I am partial to a burger, hence the reason for having to burn calories in the gym!

Sport: Cycling, but I also spend a lot of my free time either swimming or spinning!

Pastime: Spending time with my friends & family.

Mortgage Advice & Brokerage For...

Are You? Or, Do You Have?

Defaults, Arrears or CCJs
Making Home Improvements
Small Business Owner
Paid via Dividends
First Time Buyer
Buy-to-Let Landlord or SPV
Want a Better Mortgage Deal
Temporary Contract Worker
Short Contracting History
Adverse Credit or Missed Payments

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