Contractor day-rate income
Yes
Umbrella company income
Case-by-case
Limited-company director income
Case-by-case
| Criteria | Verdict | Detail |
|---|---|---|
| Contractor day-rate income | Yes | — ×5× up to 46 (gross day-rate only); umbrella EXCLUDED → self-employed; min £50k |
| Day-rate income | Yes | — |
| Contract-based income (first-timer) | Yes | — |
| Umbrella company income | Case-by-case | — Accepts umbrella income via self-employed assessment — Leeds' day-rate route is for gross-day-rate-paid contractors only. |
| Limited-company director income | Case-by-case | — |
| CIS income | Case-by-case | — |
| Fixed-term contract income | Case-by-case | — |
| Max LTV (standard) | Yes |
Confirmed reduced cap |
Source: lender intermediary criteria, all rows verified 2026-07-13. 2 rows carry no verification date and are shown as published by the lender without a dated check. Criteria change frequently — always confirm current policy with the lender or a broker.
This check doesn't yet use day-rate income — see the lender tables for how each lender works it out.
From our sister site Mortgage Affordability. Open the check in a new tab.