Contract workers

More and more people are choosing flexible ways of working and anyone who’s been a contractor will know it can be more complicated to find the right mortgage deal.

Access Our Personal Mortgage Service

5.0 Stars - 196 Reviews

Self employed contractors
Employed fixed/short term contractors
Umbrella companies
Agency workers with at least 12 months working history

Mortgages for contractors in the UK can be something of a minefield. Lenders often differ in the way they assess a contractor. At Morrison Ward Associates we work with every client individually. Whether you have just started contracting in the UK or have been for many years, there are lenders out there that will consider your application.

Call us today to arrange a free initial consultation to discuss the right mortgage for you.

Once you have your mortgage we can help you protect your family and insure your home.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We will charge a fee up to £679. In addition we will also be paid a procuration fee from the lender.

Testimonials from our clients

5.0 Stars - 196 Reviews

						A great service from all involved - John, Richard and Nigel, in particular. We really appreciated all their support with our mortgage application and insurance advise! Will definitely use them again!			
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Richard L.		7/16/2026
						I have been getting my mortgage products with Morrison Ward for about 10 years now. All the team are amazing, professional and extremely helpful. They are my rock and foundation. I’ll never forget how helpful John Morrison was when I initially came to him in 2017 (via a friend’s recommendation). He gave me the hope I needed, when I needed to sell my family home (divorce settlement) and be able to get the mortgage I required to move with my children to start a new life. Tracey - Haywards Heath.			
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Tracey		7/16/2026
						Nigel Budd is your go-to for all things insurance. He’ll work on your behalf to find you the right product to suit your budget. Avoid stress & confusion & pick up the phone for a no obligation consultation.			
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Sophy S.		7/05/2026
						As always, Nigel has been extremely helpful and comprehensive in guiding us towards the right policies and cover for our family.			
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Paola D.		6/30/2026
						The team at Morrison Ward Associates were all fantastic. Nigel did a great job of talking me through insurance policies and very much took the time to make sure I fully understood my options.Richard, John and Maxine all helped me at different stages of securing a mortgage for my first house purchase - they were all great and their recommendations have been superb across the process. Would definitely recommend.			
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Lizzy R.		6/27/2026
						Highly recommend. We had a more complex insurance policy to set up but Nigel and Declan were great at dealing with this. Quick to respond and very knowledgeable. Thanks both!			
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Rachel B.		6/25/2026
						I am very pleased with the service provided by this company. I am buying my first house and I am therefore inexperienced and have found it hard to trust brokers I spoke with in the past; when I spoke with Carolina, she put me at ease and patiently explained the whole process to me. Besides securing the best mortgage, she has gone above and beyond her duty to provide support and advice.Nigel was also very helpful in navigating the life insurance requirements.Overall I’m very satisfied with my experience and recommend this company!			
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Marta B.		6/08/2026
						John has been advising me for over 20 years. His knowledge and willingness to help is exceptional. He is able to explain complex ideas in simple language, to make decision making straightforward. His team are thoroughly professional in everything they do. For all this I am very grateful.			
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Darren G.		5/30/2026
						I had an excellent experience working with my mortgage advisor Carolina and insurance agent Nigel throughout the whole process. My mortgage advisor was incredibly patient, professional, and supportive from start to finish. They handled all the necessary paperwork efficiently and ensured everything was completed without any delays, which made the process completely stress-free for me.A special thank you as well to the insurance agent for finding the best offers and explaining everything clearly. Their dedication, communication, and attention to detail were outstanding.I truly appreciate all the hard work and would highly recommend their services to anyone looking for reliable and professional support.			
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Neringa J.		5/27/2026
						We have used Morrison Ward services for about 4 years. No disappointment, on the contrary. Nigel Budd is a very nice guy that goes above and beyond to help us and offer us the best advice. Highly recommended!			
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Katia T.		5/15/2026
						Nigel Budd at Morrison Ward is exactly the kind of adviser you want on your side. He makes choosing life cover and related insurance straightforward and reassuring, never overwhelming. I’ve been a client for nearly five years, and it remains one of the best decisions I’ve made.			
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Shaun K.		5/13/2026
						We had a great experience working with Nigel Budd for our income protection insurance. He was extremely knowledgeable and took the time to explain everything clearly, using evidence to support his recommendations.He’s very personable and easy to talk to, which made the whole process feel straightforward and comfortable. Most importantly, he helped us find the right product tailored to our needs, with no pressure, all the admin was completed and submitted almost immediately.We would happily with Nigel again and are already planning to invest in other products through MWA. Recommended.			
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Fiona V.		4/17/2026
						Extremely happy with the services provided. Very personable customer service, great advice, covering various options, patient with the explanation, nothing seems too much of a trouble. Nigel Budd is knowledgeable and great to deal with and I always recommend MWard to everyone.			
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Alicja _.		4/15/2026
						We have recently upgraded insurance policies with MWA and Nigel Budd was extremely helpful, thorough and knowledgeable throughout the process. He ensured we fully understood all aspects of the process, taking as much time as we needed. We have used MWA for many years and had the pleasure of working with Nigel on various policies. We highly recommend Nigel and MWA. Excellent service.			
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D K.		4/15/2026
						Morrison Ward Associates have been looking after our mortgages for years and we would not go anywhere else. They are always so knowledgeable, trustworthy and always attentive whenever we need them. Such a relief to deal with people that work as a team to get the job you need done. Highly highly recommend.			
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Wendy F.		4/02/2026