The same range as any borrower — many lenders work with modest deposits, and higher-LTV lending is available to contractors with a clean profile. The right lender is often decided by whether the deposit or the income is your binding constraint. Exact limits are confirmed at application.
Higher loan-to-value lending is available to contractors, subject to the lender's criteria and your profile. Some lenders reach further than others on LTV, which is exactly where lender choice helps when your deposit is tight. The maximum for your case is confirmed at application.
Yes — as with any borrower, a larger deposit widens the lenders and products available and can improve the rate. But a strong day rate assessed correctly can achieve a good result even with a modest deposit, so a smaller deposit is not the obstacle it's often assumed to be.
Yes — gifted deposits from family are widely accepted, provided they're documented properly: who gave it, that it's a genuine gift with no repayment expected, and that the giver has no claim on the property. Some lenders also offer structured family deposit products.
There are routes offering up to 100% loan-to-value based on a demonstrable rental track record, aimed at renters who can afford a mortgage but haven't saved a deposit. Your contract income is assessed on its merits alongside. Eligibility criteria apply and are confirmed at application.
Yes — lenders check the source of your deposit as part of anti-money-laundering and affordability checks. Savings, a gift, sale proceeds or equity are all acceptable when clearly evidenced. Presenting a clean, documented source keeps the application smooth, especially at higher LTVs.
