What would unlock more lenders?
See how many lenders currently assess your day rate — and exactly what a higher day rate, more days a week or a different contract type would unlock.
This is an information tool, not advice: it shows more lenders whose published criteria you'd meet, not a recommendation, a decision in principle, or a guarantee any lender will approve you.
Worked example: £300/day, 5 days a week, day-rate contract
A day-rate contractor at £300/day, checked against our full 13-lender contractor panel.
Currently matches 9 of 13 lenders' day-rate routes. The nearest lever that would unlock another is NatWest: raising your day rate to £330/day would clear its £75,000/yr income threshold at the same ×46-week multiplier — nothing else about the case needs to change.
Change the inputs below to model your own numbers.
Your situation
Contract type
Your day rate is currently assessed by 9 of 13 lenders we track.
Your day rate
Currently 300 £
- At £330, you'd likely add: NatWest
Days worked per week
Currently 5
- At 6 days/week, you'd likely add: NatWest
Contract type
Currently Day rate (agency/PAYE)
- Switching to umbrella may add: Nationwide
- Switching to limited company (PSC) may add: Barclays
- Switching to fixed-term may add: Nationwide
Want the full lender-by-lender breakdown? Run the day-rate calculator →
Get updates on your options
We'll keep you posted as lender criteria change.
Indicative only, based on published lender criteria (verified 2026-07-13). This shows more lenders whose published criteria you'd meet — it isn't an offer, a decision in principle, or a promise any lender will approve you. Criteria change frequently and lenders apply full underwriting.