| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Asset & exit (bridging) / rental (BTL); no min income on bridging |
| Day-one lending | N/A — asset-assessed |
| Minimum history | Experience-based |
| IR35 (inside) stance | N/A — not day-rate assessed |
| Umbrella accepted | Personal income accepted where required |
| Limited company | Yes — SPV and limited company |
| Gaps between contracts | N/A — asset-assessed |
| Adverse credit | Considered — asset-led |
| Underwriting | Manual |
| Broker access | Intermediary |
Its bridging is built around the asset and exit rather than income, with no minimum income requirement — useful where earnings are hard to evidence conventionally. Exact terms are confirmed live at application.
On the asset and a credible exit for bridging, and rental coverage for BTL — not day-rate income. Personal income is evidenced only where required.
Yes — bridging is core, alongside BTL finance. Bridging is short-term and depends on a defined exit. Specifics are confirmed at application.
Yes — SPV and limited company structures are supported. Specifics are confirmed at application.
A clear, credible repayment route — typically sale or refinance onto a term product. We plan the exit before the bridge is taken.
Speak to our contractor mortgage specialists to check live MT Finance rates and verify your borrowing capacity.