| 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 | Mild considered |
| Underwriting | Manual |
| Broker access | Direct & intermediary |
Yes — its relationship-led, manual approach suits contractor and self-employed cases needing individual consideration. Exact terms are confirmed live at application.
Yes — it applies human judgement to non-standard cases, which helps contractor profiles. Specifics are confirmed at application.
On a contract basis, read with manual consideration, using the contract and history as evidence.
Yes to both, with appropriate income evidence for each structure.
It has particular knowledge of its northern heartland but lends more widely — specifics are confirmed at application.
Speak to our contractor mortgage specialists to check live Cumberland rates and verify your borrowing capacity.