The Mortgage Lender (TML) is purpose-built for the self-employed and contractors, reading complex incomes and imperfect histories as the design case rather than the exception — with flexible income views including latest-year and net-profit routes. A specialist that treats contracting as the norm.
| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Contract / flexible income views |
| 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 | Mild–moderate considered |
| Underwriting | Manual |
| Broker access | Intermediary |
Yes — it's purpose-built for self-employed and contractors, reading complex income as the design case. Exact terms are confirmed live at application.
It offers flexible income views, including latest-year and net-profit routes, which can surface more capacity for growing businesses. Specifics are confirmed at application.
Moderate imperfection sits within its appetite; deeper adverse belongs with rehabilitation specialists. We'll triage the right tier.
Yes to both, with appropriate income evidence for each structure.
On a contract basis with flexible income views, read manually to reflect the real earning picture.
Speak to our contractor mortgage specialists to check live Mortgage Lender rates and verify your borrowing capacity.