Contracting across the Brackley/Towcester corridor? Several lenders can assess day-rate or company drawings—if your case is packaged well. We’ll show the pros/cons of umbrella vs limited company for borrowing and take your application from AIP – Agreement in Principle to offer.
Say hello on Contacts, scan our Mortgages service, and consider income protection via Protection.
Lender focus points
Current contract, rate, duration and any extensions
Gaps between contracts (keep them short where possible)
Umbrella payslips vs limited company accounts
Three months’ bank statements and ID checks
Day-rate method (overview)
Some lenders annualise your day rate (e.g., day rate × assumed working days). We’ll match you to those that recognise your sector and experience.
FAQs
Do I need two years’ accounts?
Not always—contractor-friendly lenders may use day-rate evidence.
Will limited company dividends cap my borrowing?
Some lenders consider salary + dividends; others look at day-rate.
Speak to Maira Oliveira for day-rate friendly lending — visit Maira’s profile or use our contact form.
