Contractors on the ladder
Rate review for contractors
Upsizing on contract income
Contractors & new homes
Over 55s & later life
Ltd co & sole trader
CCJs, defaults, adverse history
Large loans for high earners
Buy to let Property investment
Is your rate still competitive?
Switch rate, same lender
Borrow more on your home
Day rate vs SA302 vs payslips
Day rate affordability
Decision before you offer
Complete guide
What to prepare as a contractor
All technologies & roles
Permanent & contract devs
InfoSec & compliance
Management & tech consulting
Accountants, analysts, CFOs
Locum solicitors & barristers
Strategy & operations
Interim CEO, CFO, COO
Civil, structural, mechanical
Construction industry scheme
Offshore & onshore
Contract PM roles
Non-sterling income considered
GP, hospital & agency
NHS & private practice
NHS & agency workers
GDC & GPhC registered
Zero hours & bank shifts
RCVS registered
Day & long-term supply
All sectors, variable pay
PAYE via umbrella
How lenders calculate income
Less than 12 months history
How lenders view breaks
PAYE deducted at source
Ltd company, full day rate
Payslip-based assessment
Salary + dividends or net profit
SA302 & tax return basis
Variable pay structures
No sick pay — cover the gap
Family & mortgage protection
Serious diagnosis payout
Monthly income on death
No NHS waiting lists
Ltd co. tax-efficient cover
Protect the business
Partner buyout cover
Cover your liabilities
Short-term property finance
28-day completion finance
Secured on existing equity
Ground up & conversion
SPV & existing ltd companies
Houses in multiple occupation
Business premises & mixed use
Mixed residential & commercial
Pioneer of day rate. 46-week multiplier
Day rate annualisation, up to 95% LTV
Ltd company & umbrella criteria
Foreign nationals, ltd co, umbrella
Contractor criteria via broker
Ltd company & umbrella
Higher earners, confirmed schedule
Five Golden Rules day-one welcome
Broker-only YBS, strong day rate
Day rate, umbrella, CIS, IR35
Day rate across all sectors
All contract types, no sector restriction
Professional offset mortgage
Case-by-case, skilled visa workers
Contractors taxed at source, NHS locums
Contractor & self-employed criteria
No sector restriction, 3-month min history
Manual u/w for complex cases
Manual, each application on merit
Professional contractors, 2yr history
Adverse credit, complex income
Day-one, gaps, simultaneous contracts
Digital-only, manual u/w all types
Adverse, inconsistent income
100% income: day rate, umbrella, CIS
Manual u/w, flexible contractor income
All sectors, inside & outside IR35
Day-one, income & deposit boosters
Flexible workers, credit issues
Complex income & adverse credit
Self-employed & contractor specialist
Complex BTL, adverse, ltd co & HMO
Specialist BTL, portfolio landlords
Specialist BTL, contractor income
Bridging, development & BTL
Portfolio landlords, ltd co & SPV
Commercial, BTL & semi-commercial
Short-term bridging, fast decisions
Bridging, commercial & specialist
2026 lender comparison
By sector & pay structure
No minimum history required
Options with adverse history
Who lends on PAYE day rate
Monthly cost calculator
Loan to value ratio
New rate vs current deal
Roll debts into mortgage
Incl. second home surcharge
Interest saved over term
Full repayment schedule
Impact of rate moves
Gross & net yield
Full cost of ownership
