The simple answer to your question is YES, you can still get a mortgage based on your contract rate irrespective of whether you operate through your own Limited company or an Umbrella. As long as the Umbrella company that you choose doesn’t operate a “Loan Trust Scheme”. You will typically experience problems if you go to lenders directly or a mortgage broker that doesn’t understand how contractors work. They’re typically geared-up towards salaried employees. This is why we recommend that you use a mortgage broker who specializes in finding products which suit contractors.