Which lenders cover your LTV as a contractor?
Max LTV isn't one number across this panel — it varies by contract type, and a couple of lenders quietly cap it lower on their contractor route. Pick your contract type and target LTV (or deposit) and see, lender by lender, whether you're within the published cap, based on verified contractor lending criteria (verified 2026-07-13).
This is an information tool, not advice: it doesn't give a recommendation, a decision in principle, or a guarantee any lender will lend to you.
Worked example: 90% LTV on a day-rate contract
A day-rate (not umbrella or Ltd) contractor targeting a 10% deposit.
5 of 13 lenders we track would lend at 90% LTV on this contract type, based on published, high-confidence caps.
Halifax, Virgin Money, Clydesdale, Accord, Kensingtonall confirm 90% LTV is within their published cap for this contract type. Barclays and Nationwide are gated out entirely (their day-rate routes don't cover a straight day-rate engagement), and NatWest, Skipton and Coventry BS need a direct check — their LTV figures aren't confirmed specifically for the contractor route.
Change the inputs below to model your own numbers.
Same 90%-ish deposit, CIS income instead
A CIS subcontractor targeting an 85% LTV — a smaller ask than the day-rate example above.
2 of 13 lenders we track would lend at 85% LTV on this contract type, based on published, high-confidence caps.
Only Halifax and Kensingtonconfirm 85% LTV on CIS income — most of the panel's day-rate LTV caps simply don't extend to CIS at all, since CIS is routed to a different (often self-employed) assessment. A smaller deposit ask doesn't help if the contract type itself is gated out.
Change the inputs below to model your own numbers.
What's your contract type?
Between 50% and 100%.