| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Asset & rental-led |
| Day-one lending | N/A — asset/rental-assessed |
| Minimum history | Experience-based |
| IR35 (inside) stance | N/A — not day-rate assessed |
| Umbrella accepted | Personal income accepted where required |
| Limited company | Yes — SPV and limited company |
| Gaps between contracts | N/A — asset/rental-assessed |
| Adverse credit | Structured considered |
| Underwriting | Manual |
| Broker access | Intermediary |
Buy-to-let, bridging, second charges and non-standard cases, with a flexible, asset-led approach. Exact terms are confirmed live at application.
On the asset and rental rather than day-rate income; personal contractor income is evidenced where required.
Yes — second charges sit within its range, alongside BTL and bridging. These are secured on your property — understand the risk. Specifics are confirmed at application.
Yes — its asset-led flexibility extends to non-standard construction and property. Specifics are confirmed at application.
Yes — SPV and limited company structures are supported. Specifics are confirmed at application.
Speak to our contractor mortgage specialists to check live Together Money rates and verify your borrowing capacity.