| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Manual assessment |
| Day-one lending | Case-by-case |
| Minimum history | Flexible |
| IR35 (inside) stance | Contractor-friendly assessment |
| Umbrella accepted | Yes |
| Limited company | Yes |
| Gaps between contracts | Flexible |
| Adverse credit | Mild considered |
| Underwriting | Manual |
| Broker access | Intermediary |
Yes — contract length is read against the career behind it rather than a fixed rule, within its manual approach. Exact terms are confirmed live at application.
Gaps are weighed in context — the reason and career pattern — rather than measured against a rigid ceiling. Tolerance is confirmed at application.
Manually, reading the contract and career, rather than requiring years of accounts.
Yes to both, with appropriate income evidence for each structure.
Small-society pricing applies — the premium buys manual flexibility for the misread file.
Speak to our contractor mortgage specialists to check live Buckinghamshire Building Society rates and verify your borrowing capacity.