Property Investment for IT & Tech Contractors
Tired of banks misunderstanding your contract income? We specialize in securing highly competitive property finance for IT and tech contractors, whether you've been trading for 6 months or 6 years.
The "Fluctuating Income" Myth
You earn a fantastic day rate. You operate through a highly efficient Limited Company. You have substantial retained profits. Yet, when you walk into a high-street bank for a Buy-to-Let mortgage, they treat you like a massive risk because you don't have a permanent employment contract.
The Contractor Lending Challenge
Many traditional lenders demand 2-3 years of self-assessment tax returns and will only lend based on your salary and drawn dividends—completely ignoring the hundreds of thousands of pounds sitting as retained profit in your business account.
How We Structure Your Finance
At Phantom Finance, we work with specialist B2B lenders who assess your true earning potential based on your day rate, not just your drawn dividends. We can help you:
- Utilize Retained Profits: Use inter-company loans to fund deposits without triggering massive personal dividend tax charges.
- Day-Rate Multipliers: Access lenders who will annualize your current contract to maximize your borrowing capacity.
- Commercial & Bridging: Pivot from standard residential to high-yielding commercial assets that are assessed on the asset's yield, not your personal income.