Securing your
dream property.
Getting a mortgage when you're self-employed or contracting doesn't have to be a battle. We present your income the way lenders need to see it.
Start your applicationThe Problem
Tired of lenders who don't understand your income?
Traditional high street banks are built around standard PAYE employees. If you're a contractor, freelancer, or limited company director, your income structure is far more complex.
That's where we come in: we know which lenders understand self-employed income, and how to present your accounts to maximise your offer.
Annualised Day Rates
We work with lenders who calculate affordability using your true day rate.
Salary & Dividends
For company directors, we present your true combined income to boost borrowing power.
Retained Profits
We identify specialist lenders who consider retained profits when assessing affordability.
Solutions
Mortgages for every step.
Contractor Mortgages
Lenders often misunderstand contractor income. We present your finances using your day rate, not just salary, to maximise what you can borrow.
First-Time Buyers
Navigating your first mortgage is daunting. We guide you through deposits, Help to Buy, and finding the best deal.
Remortgaging
Coming to the end of your fixed term? We review the whole market to ensure you're on the most competitive rate.
Buy-to-Let
We advise on structuring your portfolio tax-efficiently and securing the right mortgage products for your investment goals.
"As an IT contractor, three banks turned me down flat. Horizon understood my income structure immediately, found a lender who used my day rate, and I got the mortgage I needed. I couldn't be more grateful."
Marcus Thompson
Senior IT Contractor, London
Find out exactly how much you could borrow.
Specialist advice tailored to how you're actually paid. Start with a free, no-obligation consultation.
Start your mortgage journeyBalance the books · Take the next step
Ready to see your numbers clearly?
Join 200+ businesses that trust Horizon to keep their finances in order — so they can focus on growth.