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, every row verified on or since 2026-07-13 (most recent check 2026-08-19). 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.