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hi welcome back to our channel here at wis we talk about all things to do with money mortgages and positive money mindset if that interests you then hit the subscribe button and the thumbs up it means you wont miss out on any of our videos in todays video well be discussing getting a mortgage as a contractor so lets get into it getting a mortgage as a contractor can be a little more complicated than those who are simply employed or self-employed but dont worry it is possible so let us tell you the best way to get a mortgage as a day-rate contractor one limited company as a contractor it might be worth setting up your own limited company with some cases it might be helpful to add your spouse as a shareholder and an employee many lenders will look at the salaries and dividends together with the past three years of the company accounts when assessing the affordability of the mortgage 2. umbrella contractor the second type of contractor is an umbrella contractor due to off-payroll leg