High-street algorithms file you under “self-employed” and quietly shrink what you can borrow. We present your contract rate to underwriters who read it properly — and unlock the figure you’ve actually earned.
Whole-of-market — a selection of the lenders we work with
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
Whatever the payroll architecture behind your contract, there is a lender that assesses it correctly. Knowing which — and how to package it — is the entire job.
Borrow against salary, dividends and retained profit — not the minimised figure on your SA302.
Explore → 02Funding built on your current contract and CV, even with months of trading history rather than years.
Explore → 03Assessed on gross posted income before the 20% deduction — not the net figure that shrinks affordability.
Explore → 04Inside IR35 changes how you’re taxed, not whether you can borrow. We use the right gross basis.
Explore → 05Foreign-currency income, rotational shifts and complex residency, handled by lenders who expect them.
Explore → 06Rotational NHS and private contracts assessed on continuous experience, not contract end dates.
Explore →Buying, remortgaging, buy-to-let, capital raising and the specialist routes in between.
Explore →Fixed, tracker, offset, discounted — what each one does, and what the SVR really costs.
Explore →Income protection, critical illness and life cover — including the company-paid route for directors.
Explore →Day-rate borrowing, retained profit, repayments, remortgage savings, stamp duty and the BTL stress test.
Run the numbers →Fifty-plus plain-English guides to the parts of contractor lending that catch people out.
Start reading →Who we are, how we are regulated, and why we are directly authorised rather than working under someone else's permissions.
Meet the team →Watford office, advice across the whole of the UK — how a remote application actually works.
See coverage →What we charge and when, set out plainly — so you know the cost before you commit to anything.
See the fees →