Summary: While most UK mortgage lenders require a minimum of 12 to 24 months of verified trading history, it is possible to secure a contractor mortgage with no or limited history if you meet specific criteria, usually by demonstrating prior relevant employment experience and having a robust current contract. Specialist lenders are key to accessing these options, as they assess affordability based on your day rate rather than filed company accounts.

Summary: Getting a standard residential mortgage with just six months of contracting history is difficult but possible, primarily through specialist lenders who assess affordability based on your day rate rather than full historical accounts. Success depends heavily on having a significant, long-term contract already secured and using a broker familiar with the contractor lending market.