Reviewed 2026-07-13
Virgin Money 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; ≥£50k needs 1yr contracting/2yr industry, <£50k needs 2yr |
| Day-rate income | Yes | — |
| Contract-based income (first-timer) | No | — |
| Umbrella company income | Yes | — Net of employer deductions |
| Limited-company director income | Yes | — Sole contractor, single contract |
| CIS income | Case-by-case | — Self-employed route |
| Fixed-term contract income | Yes | — 2yr track record |
| 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.