Umbrella company employee mortgages
Discover how our unique approach makes homeownership a reality for umbrella company employees.
We don’t rely on your payslips or accounts to prove your mortgage affordability. We use your gross day rate, instead.
This avails you of the potential to borrow much more than by traditional means.
We can bring you ever-closer to your lifestyle goals and home ownership dreams.

We understand the barriers – and how to overcome them
The unique structure of umbrella company employees’ income can present challenges when applying for a mortgage. Many high-street lenders fail to consider more than PAYE income and deductions. This means those lenders overlook umbrella employees’ most potent attribute: their earning potential.
This misrepresentation can limit borrowing options, result in rejections, and damage your credit file. Combined, they make an already complex underwriting process even more difficult. Focusing on your full financial picture ensures a fairer and more accurate assessment of your income.
Start your mortgage application today
Specialist support for umbrella workers
We specialise in arranging mortgages for umbrella payroll company employees/contractors. By leveraging contract-based underwriting to enhance your borrowing potential, we can offer:
- Borrowing potential up to 5.5 × your annualised contract day rate.
- Customised affordability calculations: your day rate × 5 days × 46 weeks.
- Access to specialist underwriters who understand umbrella company income structures.
- Comprehensive mortgage options, including fixed-rate, offset, tracker, and interest-only products.
- A contractor mortgage search tool to compare umbrella employee interest rates quickly and easily.
How much can I borrow as an umbrella company employee?

What you need to know about your umbrella company mortgage application
Applying for a mortgage as an umbrella company employee requires strategy and preparation. Lenders often request:
- Current and previous contracts.
- Detailed payslips showing deductions and gross income.
- Recent bank statements.
Your mortgage eligibility depends on factors such as contract duration, income stability, and credit history.
Working with our specialist brokers dramatically increases your chances of approval. That’s because we give you access to verified contractor-friendly lenders who understand your unique income structure.

Getting a mortgage when you're a flip-flop contractor
Since off-payroll rules rolled out, contracting has changed. We know that contractors flip between limited companies and umbrella payroll companies. Some contractors will even dip into a PAYE role when it suits them.
But how do you convince a lender you’re good for a mortgage with such flip-flop work history?
To a conventional underwriter, this butterfly pattern will seem like too high a risk. They’ll take one look at your CV or invoice and payslip history and reject you outright.
By working with specialist underwriters, we’ve helped educate them in contracting’s nuances, including IR35. We’ll give you access to a mortgage lender who’ll consider your work history with impunity.

Choose the umbrella employee mortgage experts
Specialist expertise
We specialise in mortgages for contractors of all types. That means we can bridge the gap between complex umbrella income and contractor-friendly lenders.
Collaboration with underwriters
We have direct lines to specialist underwriting teams. This ensures they give you a fair assessment based on your true mortgage affordability.
Simplifying the application process
We simplify the contractor mortgage process. Our brokers give you expert guidance on the documents you need to best support your application.
Maximise your chance of approval
On their own, each step may seem small. But combined, they maximise the chance that our chosen contractor-friendly lender will approve your mortgage.
Types of mortgage available
Our flexible, competitive mortgages are designed to make your homeownership journey easier. We offer a range of mortgages designed for contractors working under an umbrella payroll company, including: