Reviewed 2026-07-13
Barclays contractor mortgage criteria
Contractor day-rate income
Case-by-case
Umbrella company income
Yes
Limited-company director income
Yes
| Criteria | Verdict | Detail |
|---|---|---|
| Contractor day-rate income | Case-by-case | — ×5×46 for PSC sole-director route only — ≥£218/day, no employees, ≤90% LTV; umbrella/agency assessed on payslip average |
| Day-rate income | Yes | — |
| Contract-based income (first-timer) | Case-by-case | — |
| Umbrella company income | Yes | — Employed/payslip basis |
| Limited-company director income | Yes | — PSC route |
| CIS income | No | — Full self-employed, 2yr |
| Fixed-term contract income | Yes | — |
| Max LTV (standard) | Yes |
90% LTV cap applies on the PSC sole-director day-rate route |
Source: lender intermediary criteria, last verified 2026-07-13. Criteria change frequently — always confirm current policy with the lender or a broker.