Bluestone reads the deeper, more layered credit histories — inconsistent trajectories, returning-to-work restarts and compound files — while still assessing contractor income properly. The considered option at the accessible end of the rehabilitation market.
| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Contract / 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 | Deep — layered and recent considered |
| Underwriting | Manual |
| Broker access | Intermediary |
Yes — it reads layered and more recent histories, including returning-to-work cases, while assessing contractor income properly. The right approach depends on your file, confirmed live at application.
On a contract basis, read manually alongside the credit history rather than collapsed by it.
It's the considered option for deeper cases — not a last resort but a specialist that reads the whole story. Specifics are confirmed at application.
Yes to both, with appropriate income evidence for each structure.
Transitional by design — as the file recovers and conduct stays clean, the mainstream remortgage becomes available. We map the staircase.
Speak to our contractor mortgage specialists to check live Bluestone rates and verify your borrowing capacity.