| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Day rate / manual assessment |
| Day-one lending | Short minimum threshold |
| Minimum history | Short |
| 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 works from one of the shortest minimum thresholds in the mainstream market, with manual underwriting reading the career behind the contract. The exact minimum is confirmed live at application.
On a day-rate basis, read manually, using the current contract and career history as evidence.
Yes — particularly those who just miss the day-one lenders, given its short threshold and manual approach.
Yes to both, with appropriate income evidence for each structure.
Small-society pricing sits above the largest lenders — the premium buys manual flexibility. We plan the mainstream remortgage exit where the profile will mature.
Speak to our contractor mortgage specialists to check live Saffron Building Society rates and verify your borrowing capacity.