Reviewed 2026-07-13
Accord contractor mortgage criteria
Contractor day-rate income
Yes
Umbrella company income
Yes
Limited-company director income
Yes
| Criteria | Verdict | Detail |
|---|---|---|
| Contractor day-rate income | Yes | — Max 46 weeks used; min £300/day or £50k. Confirm minimum contract history with lender — 6mo-vs-12mo page conflict. |
| Day-rate income | Yes | — |
| Contract-based income (first-timer) | Yes | — |
| Umbrella company income | Yes | — Deductions applied |
| Limited-company director income | Yes | — |
| CIS income | Case-by-case | — Secondary-sourced |
| Fixed-term contract income | Yes | — 12mo sub-policy |
| Max LTV (standard) | Yes |
|
Source: lender intermediary criteria, last verified 2026-07-13. Criteria change frequently — always confirm current policy with the lender or a broker.