Umbrella Employee Mortgages

Umbrella employees confuse most High Street mortgage lenders.

Yes, umbrella employees are technically employed. But not in the way that fits neatly into lenders’ traditional pigeonholes.

And they have payslips. But what do those extra deductions mean?

Moreover, why should these two simple anomalies derail generic affordability calculations, often resulting in a low—or no—mortgage offer?

We asked that question. For years.

Today, it’s a moot point. Now, we bypass call centres and in-branch advisors.

Instead, we go direct to specialist underwriting teams. Like us, their dedicated experts get contract income.

No need for payslips. No SA302s.

Just commonsense underwriting that maximises umbrella employees’ gross day rate potential.