| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Day rate / 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 | Standard |
| Adverse credit | Mild considered |
| Underwriting | Manual |
| Broker access | Direct & intermediary |
A route that can offer up to 100% loan-to-value based on a demonstrable record of paying rent in full and on time — useful for renters who can afford a mortgage but haven't saved a deposit. Qualifying criteria are confirmed live at application.
Yes — contract income is assessed on its merits, with the rental record supporting the deposit-free approach. Specifics are confirmed at application.
Yes — it reads cases manually, which helps non-standard and explainable contractor profiles.
Yes to both, with appropriate income evidence for each structure.
Yes — particularly via Track Record for those with a strong rental history and modest deposit.
Speak to our contractor mortgage specialists to check live Skipton Building Society rates and verify your borrowing capacity.