Supporting Contractors Every Step of the Way
At AGPayroll, we understand that as a contractor, you’re focused on delivering exceptional work—not worrying about payroll, compliance, or financial complexities. That’s why we’ve created a suite of benefits designed specifically for contractors like you, making your professional journey smoother, more rewarding, and stress-free.
Mortgage support for the self-employed
Being an AGPayroll contractor comes with more than accurate, on-time pay. It comes with benefits that make life easier — and that includes getting you into your own home.
Getting a mortgage when you're self-employed shouldn't be harder than it needs to be. But too often, high-street lenders don't understand how contractors and CIS workers actually earn.
So we've teamed up with a specialist mortgage broker to give our contractors access to expert help — as part of being with AGPayroll.
Why it works
Our partner works with self-employed people every day, with access to lenders who understand self-employed income — so your application is judged on the full picture, not knocked back for not fitting a standard template.
For CIS workers, that's a real advantage. Many lenders will accept your CIS statements to verify your income, rather than demanding traditional tax returns — making it easier to borrow what you need, often at competitive high-street rates.
Specialist mortgage support for:
CIS workers
Contractors
Limited company directors
Sole traders and freelancers
Those with one year's trading history
Anyone recently declined elsewhere
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Client: Transmission Operator - Contractor working through AG Payroll
Goal: Purchase a new residential
Challenge
Client had tried to get a mortgage directly with a lender and through another broker, but both treated him as self-employed rather than as an umbrella contractor. This misunderstanding meant his income was assessed incorrectly, resulting in reduced affordability, and declined applications which impacted his credit file.
Solution
We worked directly with AG Payroll to gather the necessary income information, we reviewed his umbrella payslips and contract carefully, so we knew how to assess and present his income. We matched him with a lender and having direct access to their underwriters we were able to ensure they would assess their umbrella and contractor income correctly to calculate his true earnings ahead of applying. We placed the case with a High Street lender with a very competitive rate and managed to secure a mortgage offer.
Result
We successfully secured the mortgage needed to buy their new home.
The client was delighted to have a broker who works with his Umbrella Company and understands Umbrella income. We presented his case accurately to the lender and avoided any further declines which was impacting their credit score, they just wished they had come to us first to save a lot of time and money.
Getting started
If you're with AGPayroll and thinking about buying or remortgaging, we'll connect you with our mortgage partner for a no-obligation chat about your options.
Mortgage advice is provided by New Wave Financial Services Ltd, authorised and regulated by the Financial Conduct Authority (FRN 779395). Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
CIS Tax Return Services
Complete Your CIS Financial Picture
At AGPayroll, we handle your weekly wages, CIS compliance, and SDC checks - keeping your payroll running smoothly week after week.
But come January, you need someone to handle your year-end tax return. Someone who understands CIS inside out. Someone who speaks your language.
That's where Accurex comes in.
Introducing Accurex: Our CIS Tax Return Partner
We've partnered with Accurex Accounting Solutions to offer you specialist CIS tax return services designed specifically for construction and motor trade contractors.
Why Accurex?
They specialise in trades accounting.
They understand CIS deductions completely.
They speak plain English, not accounting jargon.
They work seamlessly with your AGPayroll data.
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CIS Self-Assessment Tax Returns Complete preparation and submission of your annual tax return, making sure every CIS deduction is claimed and every legitimate expense is optimised.
Seamless Integration Because we're partners, your payroll information flows directly to Accurex (with your permission). No missing paperwork, no January scrambles.
Specialist Knowledge Accurex knows construction and motor trade accounting inside out. They understand what you can claim because they've worked in the trades themselves.
Maximum Tax Relief When your accountant actually understands your industry, you get better results. Accurex knows exactly what to look for to minimise your tax bill legally.
Year-Round Support Not just at tax return time - Accurex is available throughout the year for any financial questions or support you need.
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You Contact Accurex Let them know you're with AGPayroll. That's all they need to get started.
Quick & Easy Onboarding Accurex sends you a simple form and engagement letter.
They Handle Everything Accurex reviews your payroll information, identifies all expenses and tax reliefs, and prepares your complete self-assessment return.
You Approve & They Submit They show you exactly what they're submitting and what you owe (or what you're getting back). Once you're happy, they submit to HMRC.
Ongoing Support Your tax return is done, but Accurex remains available throughout the year for any questions.
5 stars
"Very polite and helpful staff. Would highly recommend."
Alex Greenhorn | contractor
"Dealt with Louise who was very helpful with the registration forms and very pleasant in general."
Darren Thrower | contractor
"Excellent service. Very helpful to a 64-year-old plumber."
Kenneth McLellan | contractor
"I've worked with many agencies in the past and companies who've used payroll systems, but AGPayroll have been the best by a country mile. I've never had any problems with my wages, any queries I may have had are dealt with straight away, and they also go above and beyond with various competitions which are for everyone that has their wages paid by AGPayroll. They contact you on WhatsApp and make you feel part of a group. Excellent service, keep up the good work."
Anthony Potter | Contractor
"Absolutely fantastic service from AGPayroll. The team have been brilliant, always quick to respond, super helpful with any questions, and just genuinely nice people to deal with. A special shoutout to Louise (and the team who supports her), who has been my main point of contact — she's been incredible throughout. Highly recommend."
Chris Ennion | contractor
Payroll Perks
At AGPayroll, we believe that payroll should be more than just receiving your wage—it should add value to your life. That’s why we’ve created AGPayroll Perks, a programme designed to make your life easier, more rewarding, and ultimately more enjoyable.
Discounted Travel
Planning a holiday? With AGPayroll Perks, you can save on flights, accommodation, and even airport parking.
Wellness & Lifestyle Savings
Take care of yourself with discounts on wellness products, gym memberships, and more.
Everyday Essentials
Save on your regular shopping, whether it’s groceries, clothing, or electronics—AGPayroll Perks has you covered.
AGPayroll Perks are worth, on average, an extra £150 per month through using discounts alone.
