*Your home may be repossessed if you do not keep up repayments on your mortgage* If you are a contractor and have been contracting for 12 months or more, there are options for you to get a mortgage without 2 or 3 years' accounts! If you are an IT contractor, then providing you have been in this line of work for some time, then you may not even need the 12 months' history. We have a number of lenders that will consider the contract value, which for mortgage purposes can work very well and help with the overall lending and affordability. So, if you're contracting and looking to get on the property ladder, there are probably more options than you may have realised. We've recently helped several clients who had initially been told they would have to wait until they had 3 years' accounts, but they're now on their way to buying their first home with 1 years' contract behind them.