The mortgage your
day rate deserves.
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
One income. Many ways the system mislabels it.
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.
Limited company directors
Borrow against salary, dividends and retained profit — not the minimised figure on your SA302.
Explore → 02IT & day-rate contractors
Funding built on your current contract and CV, even with months of trading history rather than years.
Explore → 03CIS subcontractors
Assessed on gross posted income before the 20% deduction — not the net figure that shrinks affordability.
Explore → 04Umbrella & inside IR35
Inside IR35 changes how you’re taxed, not whether you can borrow. We use the right gross basis.
Explore → 05Oil, gas & offshore
Foreign-currency income, rotational shifts and complex residency, handled by lenders who expect them.
Explore → 06Locum doctors & nurses
Rotational NHS and private contracts assessed on continuous experience, not contract end dates.
Explore →