| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Contract / day rate–based 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 | Standard |
| Adverse credit | Mild considered |
| Underwriting | Hybrid |
| Broker access | Intermediary |
Yes — it combines a digital platform with manual judgement, giving contractor-aware assessment at faster processing. Exact terms are confirmed live at application.
On a contract or day-rate basis for qualifying contractors, with manual judgement applied where needed.
Its digital platform can speed processing, which helps time-sensitive cases. Specifics are confirmed at application.
Yes to both, with appropriate income evidence for each structure.
Speak to our contractor mortgage specialists to check live Atom Bank rates and verify your borrowing capacity.