| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Contract / 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 | Flexible |
| Adverse credit | Structured considered |
| Underwriting | Manual |
| Broker access | Intermediary |
Yes — it's a specialist for self-employed and contractors, reading complex income and imperfect histories flexibly. Exact terms are confirmed live at application.
Yes — it considers graded adverse alongside contractor income. The right tier depends on your file, confirmed at application.
On a contract basis, read manually to reflect the real earning picture.
Yes — it operates across residential and BTL. Specifics are confirmed at application.
Yes to both, with appropriate income evidence for each structure.
Speak to our contractor mortgage specialists to check live Vida rates and verify your borrowing capacity.