I've been looking at this issue for months now and found there are some specialist lenders out there but the fees are typically 2 percent of the advance plus a product fee and set up fee. The rate I was quoted was 6.8 percent which meant on 300k mortgage I was paying about 49k over the odds taking all the fees into account. Unfortunately the mainstream lenders have no stomach for the contract market. Even if you can get a product the max loan to value I found was 65 percent