| 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 | Structured–moderate considered |
| Underwriting | Manual |
| Broker access | Intermediary |
Yes — it reads the contractor's covenant behind the guarantees with specialist fluency, across SPV and HMO structures. Exact terms are confirmed live at application.
Yes — SPV and limited company BTL is core territory, alongside HMOs and portfolio lending. Specifics are confirmed at application.
Graded, moderate tolerance covers both residential and BTL sides; heavier files route to dedicated adverse tiers. We'll triage.
Yes — credit-tolerant residential sits alongside its BTL range. Specifics are confirmed at application.
On a contract basis, read manually, valuing the covenant behind the case properly.
Speak to our contractor mortgage specialists to check live Foundation Home rates and verify your borrowing capacity.