Harpenden is a small mutual specialising in manual underwriting of the cases volume lenders can’t read — complex income, unusual property and genuinely individual files. A precision tool for the compound contractor case with a sound underlying story.
| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | 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 | Intermediary |
The compound, individual file — layered non-standard income, unusual structures or property — assessed manually rather than scored. Exact terms are confirmed live at application.
Entirely — criteria are starting points, and underwriters discuss cases directly. Files are built as an argument for lending.
Yes — its manual flexibility extends to non-standard construction and individual property alongside the income. Specifics are confirmed at application.
Yes to both, with appropriate income evidence for each structure.
Small-society pricing sits above the volume market the premium buys the conversation and consideration.
Speak to our contractor mortgage specialists to check live Harpenden Building Society rates and verify your borrowing capacity.