| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Day rate × 5 × 46 weeks |
| Day-one lending | Yes |
| Minimum history | None required |
| IR35 (inside) stance | Contractor-friendly assessment |
| Umbrella accepted | Yes |
| Limited company | Yes |
| Gaps between contracts | Flexible |
| Adverse credit | Clean credit preferred |
| Underwriting | Hybrid |
| Broker access | Intermediary |
Yes — its Bespoke range is a leading day-one option, with no minimum contracting history and no minimum contract length, assessed against defined rules. Exact terms are confirmed live at application.
On the day rate, annualised as rate × 5 × 46 weeks, using the current contract as evidence rather than requiring accounts.
Its Bespoke approach has no minimum contract length for qualifying contractors. Specifics are confirmed at application.
Yes to both, with appropriate evidence for each structure.
Its Bespoke contractor lending is accessed through intermediaries — as a whole-of-market broker we can place cases with it.
Speak to our contractor mortgage specialists to check live Bank of Ireland rates and verify your borrowing capacity.