| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Rental coverage (ICR) |
| Day-one lending | N/A — BTL, rental-assessed |
| Minimum history | Portfolio/experience-based |
| IR35 (inside) stance | N/A — assessed on rental, not day rate |
| Umbrella accepted | Personal income accepted where required |
| Limited company | Yes — SPV and limited company BTL |
| Gaps between contracts | N/A — rental-assessed |
| Adverse credit | Mild considered |
| Underwriting | Manual |
| Broker access | Intermediary only |
Yes — it specialises in HMO, multi-unit, portfolio and limited company BTL, with manual underwriting for cases the mainstream declines. Exact terms are confirmed live at application.
Yes — SPV and limited company structures are core. Specifics are confirmed at application.
On rental coverage (ICR) rather than day rate; personal contractor income is evidenced where required.
No — Quantum is broker-only. As a whole-of-market broker we can place your case.
Mild, explainable adverse may be considered within its specialist BTL frame. We'll triage the right fit.
Speak to our contractor mortgage specialists to check live Quantum Mortgages rates and verify your borrowing capacity.