Contractors often earn well but struggle with standard payslip criteria. The good news? Many lenders consider day-rate calculations — we’ll match you to those that fit your profile.
Book a quick call on the Contacts page and review options on our Mortgages page.
Documents you’ll likely need
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Current contract and any extensions.
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Proof of industry history or track record.
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Limited company or umbrella evidence if applicable.
Day-rate method (overview)
Some lenders use a simple formula (e.g., day rate × assumed working days) to project annual income. We’ll direct your case to lenders that accept this approach.
Improve approval odds
Keep gaps between contracts short, maintain clean credit, and prepare bank statements in advance. We’ll package your case to make it easy for underwriters.
Prefer extra peace of mind? Explore Protection options (income protection can be vital for contractors).
