Management consultant contractor on £650/day (PSC), two-month gap, and IR35 scrutiny. We used day-rate modelling, a credible gap narrative, and an accountant’s letter to align with mainstream policy—achieving approval at 75% LTV on a £1.1m home.

With renewals and short gaps, this IT contractor needed day‑rate treatment. We evidenced continuity, explained the gaps, and matched them with a lender that assesses on day‑rate—securing borrowing aligned to realistic annualised earnings.

A contractor with only six months’ experience and no accounts was told to wait. We used day rate × 5 × 46 to evidence income and secured 5x that figure — delivering a £540k mortgage on a £650k home so he could buy now instead of delaying.

A young contractor, told he needed two years of accounts, came to us seeking a 95% mortgage on a £600k property. Using his current contract and smart structuring, we secured the loan with low monthly payments—enabling him to buy now, refurbish, and remortgage on better terms later.