| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Contract / 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 | Structured considered |
| Underwriting | Manual |
| Broker access | Intermediary |
Yes — it specialises in compound cases where both the borrower and the property are non-standard, with deep manual underwriting. Exact terms are confirmed live at application.
Yes — these sit within its specialist property appetite, alongside larger loans. Specifics are confirmed at application.
On a contract basis, read manually alongside the property complexity.
Yes to both, with appropriate income evidence for each structure.
Both are OSB Group brands with distinct personalities — Kent Reliance leans to deeper manual property complexity. We compare across both.
Speak to our contractor mortgage specialists to check live Kent Reliance rates and verify your borrowing capacity.