Free tools
Every calculator and checker we've built, in one place — free to use, no account needed, all based on lending criteria we verify directly against each lender.
Day-rate calculator
See what your day rate is assessed as by each of the 12 lenders we track — the same rate can mean tens of £thousands' difference.
Contract-type checker
See which of the 12 lenders we track accept your contract type — day rate, umbrella, limited company, CIS or fixed-term — and how.
Contract timeline checker
See whether your gap since your last contract, time left on your current one, or contracting history would rule you out at each lender we track.
Deposit & LTV explorer
See which lenders cover your target LTV for your contract type, and where the cap is lower than you'd expect.
Contract vs permanent calculator
Compare your borrowing power as a contractor against an equivalent permanent salary, lender by lender — including where contracting borrows you less.
CIS mortgage calculator
See your gross CIS pay against your net-of-deduction take-home, and which lenders assess you on which figure.
Lender criteria tables
Compare contractor income rules — day rate, umbrella, Ltd and CIS — side by side across every lender we track.
Affordability check
See what a wide panel of lenders might lend you, built by our sister site Mortgage Affordability.
What unlocks more lenders?
See the exact day rate, days-per-week or contract-type change that unlocks the next lender.
Get new tools and guides by email
We'll let you know when we add new calculators, plus the guides you need along the way.