Hodge assesses 100% of contract income across day-rate, umbrella, CIS and fixed-term structures, from day one — distinguished by its structural breadth. A strong specialist for contractors whose payment structure trips narrower policies.
| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | 100% of contract income (day rate × 5 × 46) |
| Day-one lending | Yes |
| Minimum history | None required |
| IR35 (inside) stance | Contractor-friendly, incl. gross where evidenced |
| Umbrella accepted | Yes |
| Limited company | Yes |
| Gaps between contracts | Flexible |
| Adverse credit | Clean credit preferred |
| Underwriting | Manual |
| Broker access | Intermediary |
Yes — day-one lending is available across its accepted structures, using the current contract as evidence. Exact terms are confirmed live at application.
Yes — CIS is among the structures Hodge assesses, alongside day-rate, umbrella and fixed-term. Specifics are confirmed at application.
On 100% of contract income, annualised as day rate × 5 × 46, across its accepted structures.
Yes to both, with appropriate income evidence for each structure.
It can assess on gross contract value where evidenced, keeping it relevant for inside-IR35 cases. Specifics are confirmed at application.
Speak to our contractor mortgage specialists to check live Hodge rates and verify your borrowing capacity.