Furness focuses on established professionals who contract or locum within their trade, reading professional income manually and in context. A considered option for the qualifying professional whose case carries a wrinkle the mainstream declines.
| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Professional / manual assessment |
| Day-one lending | Case-by-case |
| Minimum history | Trade-based |
| IR35 (inside) stance | Contractor-friendly assessment |
| Umbrella accepted | Yes |
| Limited company | Yes |
| Gaps between contracts | Flexible |
| Adverse credit | Mild considered |
| Underwriting | Manual |
| Broker access | Intermediary |
Established professionals contracting or locuming within their trade — the trade history counts, so a newly-contracting professional with an established career can qualify. Exact terms are confirmed live at application.
Yes — sessional and locum income is read manually against the profession's norms. Specifics are confirmed at application.
Manually and in professional context, using the registration and trade history as evidence.
Yes to both, with appropriate income evidence for each structure.
Small-society pricing applies — it competes on professional fluency and manual flexibility rather than headline rate.
Speak to our contractor mortgage specialists to check live Furness Building Society rates and verify your borrowing capacity.