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IR35 Contractor Mortgages

Outside IR35 Mortgage? We Use Your Real Income.

Inside IR35, outside IR35, umbrella, or limited company — your contract rate is your income. We match you with lenders who understand contractor earnings.

  • Outside IR35 — full contract rate assessed
  • Inside IR35 — umbrella income considered
  • Day rate × 5 × 46 = annualised borrowing power
  • Up to 90% LTV available for contractors
  • No minimum contract term with specialist lenders
"Your contract is worth six figures. Let's get a mortgage that reflects that."

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, as an authorised adviser of Echo Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 570073). 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.