Precise (part of OSB Group) spans adverse residential, specialist buy-to-let and bridging under one roof, with graded product tiers by event type and recency. Useful for contractors whose needs cross those territories.
| 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 — graded tiers |
| Underwriting | Manual |
| Broker access | Intermediary |
Graded tiers track event type, severity and recency, with contractor income assessed alongside. The right tier depends on your file, confirmed live at application.
Yes — it spans adverse residential, specialist BTL and bridging under one group roof. Specifics are confirmed at application.
Yes to both, with appropriate income evidence for each structure.
On a contract basis, read alongside the credit grading rather than collapsed by it.
Both are OSB Group brands — Precise carries the more productised tiered ranges. We compare across both for the best fit.
Speak to our contractor mortgage specialists to check live Precise Mortgages rates and verify your borrowing capacity.