Lender income frameworks leak value through partial counting — percentage haircuts on variable income, taxable-pay assessment of umbrella workers, net-figure treatment of CIS. Hodge's framework is built the other way: the full gross income of each structure, properly evidenced, is the assessable figure.
On identical earnings, the difference between full and partial counting routinely runs to tens of thousands of pounds of borrowing capacity — putting Hodge at or near the top of the income comparison table with remarkable consistency.
CIS contractors at Hodge are assessed on grossed-up income from deduction statements — the pre-deduction figure that represents actual earning capacity, not the net amount that lands after the 20% or 30% withholding. Twelve months of CIS statements with corroborating bank credits is the standard evidence base, and the full-income principle does the rest.
Hodge extends the framework to first-time contractors — the day-one transition case, with the employed career providing continuity — and to fixed-term contract workers, whose defined end dates trigger discounting at calendar-anxious lenders. Renewal history and sector demand are read sensibly; the FTC structure itself is not penalised.
Alongside Bank of Ireland Bespoke and Aldermore, this places Hodge in the standing day-one comparison — distinguished within that trio by the structural breadth of the 100% principle.
Hodge supports experienced contractors planning longer careers, combining contractor-friendly underwriting with flexible lending for borrowers approaching or beyond traditional retirement age.
Flexible mortgage options for contractors borrowing later in life.
Specialist pricing applies, positioned with the flexible-specialist tier rather than the mainstream leaders — the premium buying the full-income principle and the structural breadth. Files are packaged for evidencing: the gross rate or grossed-up figure documented at source, the structure paperwork complete, the career narrative attached where day-one or FTC cases need it. The standard exit planning applies: Hodge now, mainstream comparison at the first remortgage.
On the gross assignment rate — the pre-deduction top line — evidenced through schedules or confirmations. For umbrella workers quoted on taxable pay elsewhere, the Hodge figure is frequently transformative, which is why it anchors our umbrella comparisons.
Yes, on grossed-up income from CIS deduction statements — the pre-withholding figure that reflects actual earnings. Twelve months of statements with corroborating bank credits is the standard evidence base.