Inside vs Outside IR35: Which Lets You Borrow More?
Everyone assumes outside IR35 wins for a mortgage. On take-home, yes. On borrowing, at the right lender, the answer is more surprising than you’d think.
Changing IR35 Status: What It Means for Your Mortgage and Remortgage
Moving between inside and outside IR35 is normal contracting life — but it changes your income shape, and lenders notice. Here’s how to handle it for a purchase or a remortgage.
Umbrella Contractors: How to Evidence Your Real Rate with the KID
Your umbrella payslip shows a fraction of what your assignment is worth. The document that fixes that — and how to use it — is the difference between a fair mortgage and a poor one.
How Your IR35 Status Determination Affects What You Can Borrow
Your IR35 status is decided by your client, not you — but it flows straight through to how much you can borrow. Here’s what it changes, and the part you can still control.
Outside IR35 and Your Mortgage: How Lenders Use Your Full Contract Value
Being outside IR35 puts you in the strongest mortgage position a contractor can hold — but only if the lender assesses your contract, not your drawings. Here’s how to make sure it does.
Inside IR35 Mortgages: How Lender Choice Can Change Your Borrowing by £200,000
Being inside IR35 can cost you £200,000 of mortgage borrowing — or almost nothing. The difference is entirely which lender you apply to. Here’s what determines it.