Reviewed 2026-07-13
Skipton contractor mortgage criteria
Contractor day-rate income
Yes
Umbrella company income
Case-by-case
Limited-company director income
Yes
| Criteria | Verdict | Detail |
|---|---|---|
| Contractor day-rate income | Yes | — ×5×46, pro-rated for gaps >4wk; 12mo history + 2yr experience |
| Day-rate income | Yes |
|
| Contract-based income (first-timer) | No | — |
| Umbrella company income | Case-by-case | — Not addressed — confirm |
| Limited-company director income | Yes | — Sole or spouse shareholder |
| CIS income | Case-by-case | — |
| Fixed-term contract income | Case-by-case | — |
| Max LTV (standard) | Case-by-case | — Not confirmed for contractor/day-rate lending — the 100% figure on Skipton's general residential criteria page appears to be cross-contamination from its unrelated Track Record guarantor new-build product, not a contractor-route LTV cap. Confirm directly against Skipton's self-employed/contractor criteria before relying on any figure. |
Source: lender intermediary criteria, last verified 2026-07-13. Criteria change frequently — always confirm current policy with the lender or a broker.