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Several lenders are no longer offering mortgages at high loan-to-values (LTVs) and now some are even pulling back on loans for those with larger deposits. The problem is that banks are inundated with business as borrowers attempt to take advantage of the stamp duty holiday. Day-rate contractors will also find it harder than usual to get mortgages as lenders scrutinise income more closely than ever. Most high-street lenders have a limited understanding of contractor mortgages and may treat borrowers as self-employed, taking dividends and salary into account, rather than a day rate. At AWS Mortgages, we understand contractor mortgages, helping you find the right one for your circumstances.