Right Here for Contractors

Opening up new opportunities for you with us.

Criteria lookup

Check whether your customers and their property meet our requirements.

Lending criteria

We understand the way people choose to work has changed. Contracting is on the rise, with many looking for a better work-life balance. Contractors are quality borrowers in a growing industry. So we want to help you secure the right deal for them:

  • No required minimum time remaining on current contract, minimum contracting period of 12 months in current occupation
  • No accounts or references needed
  • Applicants from all industries considered
  • Minimum gross contracting income of £50,000, we'll base affordability on 80% of the applicants gross income
  • Maximum 90% LTV excluding fees
  • No differentiation between self employed, limited companies and contractors working through an umbrella firm
  • Contracts can be expressed in daily or hourly rates
  • Eligible for Interest Only mortgages (see Interest Only in criteria lookup tool).

All this is backed by a wide range of mortgages including 85% LTV products, with free standard valuations and cashback, to help give you and your contractors more choice.

We will not lend to CIS contractor workers under our contractor criteria but we will consider them under our self employed criteria.

Check our criteria look up tool for full details.

Criteria lookup

Check whether your customers and their property meet our requirements.

Lending criteria

Issues for Apple users

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You currently can’t apply if you’re using an iPad or iPhone with iOS 12.2 or higher. We’re sorry for any inconvenience this causes - please use another device.