Day-rate mortgages explained
Free guides to getting a mortgage as a contractor — day-rate, umbrella, limited-company, CIS, fixed-term and locum — with lender criteria and tools.
See which lenders would lend on your day rate — and how much each would offer — in about a minute.
Free · Zero credit impact · 58 UK lendersWhat could you borrow on your day rate?
The same £/day gets wildly different offers — some lenders annualise it, others want 3 years' accounts.
Try the day-rate calculator →What is the affordability check?
Lenders treat contract income wildly differently — some multiply your day rate, others want two or three years' accounts. The check runs your figures through every lender's real affordability rules and shows which ones back your contract, and how much they'd lend.
Tell us your figures
Income, deposit and the property you have in mind — a few questions, about a minute.
We check 58 real lenders
Your numbers run through each panel lender's own affordability rules, using the details you give.
See who'd lend, and how much
A ranked view of which lenders would lend to you, and the amount each would offer.
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see which lenders accept your day rate →browse the free tools →
The Contractor Mortgage Handbook 2026
Everything on this site, organised — day rate, umbrella, Ltd, CIS and fixed-term income, and every lender figure, verified and dated. Free, with a PDF edition.
Read the handbook →Day rate → mortgage
How lenders annualise your day rate — and why the same rate gets very different offers.
Read more →Umbrella, Ltd or CIS
Each contract type is read differently — see who lends and how.
Read more →Between contracts?
Gaps and contract history: what lenders actually require.
Read more →Limited company (PSC)
Day rate or salary-and-dividends? Which route a lender takes moves borrowing by tens of thousands.
Read more →Sole trader contractors
Net-profit assessment from SA302s, averaging, and the one-year-trading options.
Read more →IT contractor mortgages
The one genuine lender carve-out for IT contractors — and the claims that don't hold up.
Read more →