A day-rate contract is annualised and assessed on the contract and the rate, not like a salary. Inside IR35 is usually paid through an umbrella or agency payroll. Outside IR35 is usually invoiced through your own limited company. We understand the requirements and the lenders in each category. Both can be mortgaged.
- Inside IR35: umbrella and agency payroll
- Outside IR35: limited company contracting
- We know what a lender will accept, and what it will not
- We understand day rate, time left on the contract, and gaps between contracts