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IR35 Contractor Mortgages

Outside IR35 Mortgage? Lenders Who Read Your Contract.

Inside IR35, outside IR35, umbrella, or limited company — a lender that only reads payslips can undervalue what you actually earn. We work with lenders who will look at the contract itself.

  • Outside IR35 — some lenders will assess the contract rate
  • Inside IR35 — umbrella income considered by some lenders
  • Some lenders annualise a day rate rather than using payslips
  • Contract length requirements vary between lenders

Every lender sets its own criteria and each application is assessed on its own facts. How your day rate is annualised, and the amount you can borrow against it, differ from lender to lender. Acceptance is not guaranteed.

A decline based on a payslip or a short trading history does not necessarily reflect how a contractor-aware lender would assess the same contract. A specialist can tell you which lenders those are.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Check Your Eligibility

No credit check required

Our Lending Partners — a selection of the mainstream and specialist lenders on our panel
Broad Lender Panel

Just a few of the lenders we quote

From high street giants to specialist niche lenders.

Mortgage advice is provided by Hayden Richards, CeMAP-qualified, a Registered Individual of Marklay Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 930490). Richards & Logic is a trading style of MarketMedia Ltd. Hayden Richards can assess specialist mortgage options from a broad panel of UK lenders based on your complex income and borrowing needs.