Inside IR35 Contractor Mortgages
Tailored mortgage solutions for contractors working inside IR35, ensuring access to finance that reflects your true income and employment status.
Access Specialist Outside IR35 Lenders
Over 120 UK lenders providing mortgage solutions for contractors outside IR35
Mortgage-Tek connects contractors operating outside IR35 to lenders experienced in self-employed and limited company income.
We ensure accurate affordability assessment, competitive rates, and smooth application processes.
Understanding Inside IR35 Mortgages
Finance designed for contractors under PAYE-style tax rules
 Inside IR35 mortgages are designed for contractors whose income is taxed as if they were employed by their client or agency. Lenders calculate affordability based on
net pay after tax, taking into account contract length, role stability, and any bonuses or regular allowances, ensuring mortgage applications accurately reflect actual income.
Mortgage Options for Inside IR35 Contractors
Flexible mortgage solutions for contractors with PAYE-style contracts
Fixed-Rate Mortgages
Monthly repayments remain stable with fixed interest rates, ideal for contractors seeking predictable outgoings despite fluctuations in contract work or client changes.
Variable-Rate Mortgages
Flexible repayment options with initial lower rates, suitable for contractors comfortable with interest rate variations and potential savings over time.
Remortgage Options
Allows contractors to switch existing mortgages for better rates, improved terms, or to access benefits tailored to PAYE-style employment.
Buy-to-Let Mortgages
Designed for contractors looking to invest in rental properties, with income from professional employment considered alongside rental projections.
Inside IR35 Mortgage Suitability
Ideal for contractors employed under PAYE rules
This mortgage is suitable for contractors whose income is taxed inside IR35, ensuring lenders can accurately assess affordability.
- Contractors with PAYE-style employment contracts inside IR35
- Professionals seeking first-time buyer or remortgage options
- Individuals with 12+ months of continuous contracts or employment history
- Contractors requiring lenders to consider net income after tax
- Professionals needing mortgage guidance for IR35-compliant income assessment
What Lenders Will Assess
Core criteria for mortgage approval for inside IR35 contractors
Employment Type & Contract
Lenders review IR35 status, contract duration, and employment stability. Typically, a minimum 6–12 months remaining on the current contract is required.
Income Verification
Net income is calculated using payslips, P60s, and employer confirmation. Some lenders also consider bonuses or regular allowances.
Credit Profile
Strong credit history is preferred; minor issues may be acceptable if overall income is stable.
Deposit / Loan-to-Value
 Deposits usually range from 5–25%, depending on lender, property type, and contractor’s income structure.
Professional Verification
Lenders require proof of ongoing employment under PAYE rules, including contracts or client letters confirming engagement.
Other Documentation
Additional documentation may include bank statements, tax calculations, and evidence of consistent contract renewals.
How Much Can I Borrow Calculator
Borrowing based on inside IR35 income
Loan amounts depend on net PAYE-style income, contract duration, and lender-specific affordability assessments. Mortgage-Tek calculates borrowing potential based on contractor income, IR35 deductions, and any additional allowances to maximise approval chances.
Your Estimated Borrowing Amount
Expert Guidance for Inside IR35 Contractors
Trusted by contractors across the UK
 Mortgage-Tek provides specialised support for inside IR35 contractors, connecting clients to lenders who
understand IR35 implications, assessing income accurately, and ensuring smooth mortgage applications.
Specialist Lender Access
We connect clients to lenders experienced in inside IR35 mortgages, offering competitive rates and approval for contractors with complex PAYE-style employment.
Tailored Advice
Advice is customised based on contract length, client sector, and net income, ensuring optimal mortgage options.
Support for Complex Income
We assist with net income calculations, tax deductions, and contract verification, simplifying lender assessment.
Transparent Mortgage Comparisons
We clearly compare rates, fees, and benefits, helping contractors make informed decisions.
Quick Pre-Approval
Streamlined application process for rapid pre-approval and minimal delays.
Career-Specific Guidance
We advise contractors on IR35, PAYE deductions, contract renewals, and other factors influencing mortgage eligibility.
FAQs
Can inside IR35 contractors get mortgages?
Yes. Lenders consider net income after tax, contract length, and employment stability. Mortgage-Tek connects contractors to lenders experienced in IR35-compliant income assessments.
How is net income calculated for IR35 contracts?
Lenders calculate net income after PAYE tax and National Insurance contributions. They may include bonuses, regular allowances, or pension contributions where applicable.
What deposit is required for inside IR35 mortgages?
Typical deposits range from 5–25% depending on the lender, property type, and contractor’s income profile. Higher deposits can improve borrowing potential and approval chances.
Are short-term contracts accepted?
Lenders usually prefer contracts with at least 6–12 months remaining. Some may accept shorter contracts if income is stable and previous employment history is strong.
Can I remortgage as an inside IR35 contractor?
Yes. Remortgaging allows contractors to switch to better rates, access equity, or restructure mortgage terms based on IR35-compliant income.
How long does the mortgage application process take?
Typically 6–10 weeks depending on lender assessment, valuations, and documentation. Mortgage-Tek helps streamline the process to minimise delays.
Do lenders consider bonuses or allowances?
Yes. Lenders may include regular bonuses or allowances in income calculations, provided they are documented and consistent, enhancing borrowing potential.
Can I apply if I recently moved inside IR35?
Yes. Lenders may review previous contract history, stability, and net income trends to assess affordability despite recent IR35 changes.