Contractor & Infrastructure Financial Scheme

Financial advice designed around modern contracting structures.

The Contractor & Infrastructure Financial Scheme is a Specialist Scheme delivered by Roxton Wealth for contractors working through non-traditional employment and income structures.

It provides a joined-up approach to financial and mortgage advice, designed around umbrella employment, CIS, limited company contracting, agency placements, and rotating contracts, helping individuals and organisations access clear, regulated advice with confidence.

What is the Contractor & Infrastructure Financial Scheme?

This scheme is not a recruitment programme, not an umbrella service, and not a payroll solution.

It is a structured advice framework delivered by Roxton Wealth, created to ensure that financial and mortgage advice reflects how modern contractors actually work, earn, and move between contracts.

Through this scheme, individuals and organisations can access:

• A tailored approach to regulated financial and mortgage advice
• Clearer explanations of complex employment structures
• Structured access to financial education and guidance
• A consistent, transparent advice journey

All advice is provided on an individual basis, following full suitability assessments and FCA regulatory requirements.

Why as a contractor should I choose working with you?

Contracting offers flexibility and opportunity, but it also creates complexity.

You may be navigating:

• Changing employment status between contracts
• Inconsistent or misunderstood income
• Difficulty accessing mortgages
• Confusion around affordability assessments
• Lack of long-term financial planning support

The Contractor & Infrastructure Financial Scheme is designed to provide clarity, structure, and stability.

Our approach focuses on:

• Understanding how your income is paid and assessed
• Explaining financial decisions in plain English
• Taking a whole-picture view of finances across contracts
• Supporting sustainable planning, not short-term fixes

Advice is practical, calm, and suitability-led.

Why this scheme exists

Many contractors struggle to access financial advice that properly reflects their working reality.

This scheme exists because:

• Traditional advice models assume stable employment
• Lenders often misunderstand contracting income
• Employment structures change frequently
• Access to relevant financial education is limited

The Contractor & Infrastructure Financial Scheme was created to provide a dedicated framework that improves access, understanding, and long-term financial confidence for contractors.

How the Contractor & Infrastructure Financial Scheme works

1. Initial conversation
       A structured discussion to understand your contract type and income structure.
2. Information gathering
       Relevant financial and employment information is reviewed in detail.
3. Advice meeting
       Mortgage and financial considerations are discussed together.
4. Recommendations and next steps
       Any recommendations are clearly explained, suitability-led, and tailored to your circumstances.
5. Ongoing support
       Where appropriate, continued support is provided as contracts and circumstances change.

Working with providers

Where appropriate, we engage with a range of regulated providers, including lenders, insurers, pension, SIPP, and investment providers to better understand how products and criteria apply to contractors.

This allows us to:

• Navigate lending criteria across different contract types
• Interpret affordability in the context of non-standard income
• Identify suitable solutions where available
• Present client circumstances clearly where discretion may be applied

Any engagement with providers does not guarantee changes to criteria or outcomes.
All recommendations remain individual, regulated, and suitability-based, in line with FCA requirements.

Accessibility and education

We recognise that contractors often receive inconsistent or unclear financial guidance.

Through this scheme, we aim where appropriate to:

• Provide clear and transparent pricing
• Improve access to regulated advice
• Deliver financial education sessions or guidance for contractor communities

In some cases, employer-led or organisation-supported arrangements may allow advice to be offered on preferential terms, subject to transparency and regulatory requirements.

Partnerships with umbrella companies and agencies

The Contractor & Infrastructure Financial Scheme may operate alongside commercial partnerships with:

• Umbrella companies
• Recruitment agencies
• Payroll providers

These partnerships may help provide structured access to regulated advice.

All advice provided through Roxton Wealth remains independent, individual, and in the client’s best interests, regardless of any partnership arrangement.

What the Contractor & Infrastructure Financial Scheme can support with

Depending on individual circumstances, advice through this scheme may include:

• Mortgages and borrowing
• Protection planning
• Pensions and long-term financial planning
• Managing variable income and cashflow
• Planning across changing employment structures

Any advice provided is tailored to the individual and subject to full suitability assessments.

Why choose this scheme via Roxton Wealth?

This scheme is delivered by Roxton Wealth as part of our Specialist Schemes approach.

We believe financial advice should adapt to modern working structures — not force people into outdated models.

Through this scheme, we aim to:

• Improve access to regulated financial advice
• Support better understanding and confidence
• Work within existing systems while helping clients navigate them more effectively
• Deliver advice in a calm, professional, and fully regulated way

Important regulatory information

The Contractor & Infrastructure Financial Scheme is delivered by Roxton Wealth.
It is not a separate legal entity or advisory firm.

All financial and mortgage advice:

• Is provided on an individual basis
• Is subject to full suitability assessments
• Complies with FCA regulatory requirements
• Prioritises the client’s best interests at all times

Book an initial conversation

For individuals or organisations exploring access to the Contractor & Infrastructure Financial Scheme.