Criteria changes, rate moves, IR35 updates, Budget shifts the contractor mortgage market never stands still, and coverage rarely explains what it means for contractors specifically.
That's what we cover here: what changed, who it affects, and what to do about it from quick criteria notes to full market analysis, all written for contractors.
Lender criteria changes with contractor impact — new day rate policies, revised history requirements, IR35 treatment updates — reported as they land, because a criteria revision can redraw the right-lender answer for whole categories of borrower overnight. Rate and product movements with the context that personalises them: who should act, who should wait, who is unaffected.
The policy layer too: IR35 and off-payroll developments, Budget measures touching property and contracting, and the regulatory changes that reshape the market’s structure — each translated from announcement to contractor consequence.
Most frequent questions and answers
As the market moves — criteria notes land when lenders revise, analysis pieces follow the cycle of rate decisions, Budgets and policy developments. The contractor angle is the constant; the frequency follows the news.
Articles carry the general consequence; your file carries the specifics — and the gap between them is exactly what personal advice closes. Anything here that raises a question about your position deserves the call, not a guess.
Contact us to be added to client updates — expiry reminders and material market changes relevant to your position are part of the standing service for existing clients in any case.