The Melton offers manual underwriting with appetite for self-employed, contractor and less standard cases, including some niche and expat propositions. A useful additional manual option across the contractor market.
| 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 | Mild considered |
| Underwriting | Manual |
| Broker access | Intermediary |
Yes — it offers manual underwriting with appetite for self-employed and contractor cases, including some niche propositions. Exact terms are confirmed live at application.
Yes — non-standard cases are read on their merits by human underwriters. Specifics are confirmed at application.
On a contract basis, read manually, using the contract and history as evidence.
Yes to both, with appropriate income evidence for each structure.
Small-society pricing applies — the premium buys manual flexibility for less standard cases.
Speak to our contractor mortgage specialists to check live Melton rates and verify your borrowing capacity.