Reviewed 2026-07-13
NatWest 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 | — ×5×46 for High-Income/Day-Rate tier, income ≥£75k; standard PAYE below |
| Day-rate income | Yes |
|
| Contract-based income (first-timer) | Yes | — |
| Umbrella company income | Yes | — |
| Limited-company director income | Yes | — High-income contractor via day rate |
| CIS income | Yes | — |
| Fixed-term contract income | Yes | — |
| 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.