"Inside IR35? How to Maximise Your Mortgage Borrowing Power in 2025"

Being inside IR35 doesn't mean settling for less mortgage. With the right approach, you can still secure competitive financing. Here's how to position your application for success.

3 Key Strategies for Inside IR35 Borrowers

1. Leverage Your Full Income Package
   
   
   
   • Lenders can consider:
     ✓ Umbrella company payslips
     ✓ Contract renewal history
     ✓ Benefits/pension contributions
   
   
   • Pro Tip: Provide 6+ months of umbrella payslips to show stability
   
   
   
   


2. Use Specialist Lenders
   
   
   
   • Certain banks offer:
     • Higher income multiples (up to 5x deemed salary)
     • Flexible contract length requirements
     • Better rates than high-street options
   
   
   
   


3. Boost Your Application With:
   
   
   
   • Consistent 12+ month contract history
   
   
   • Clean credit file (score above 700 ideal)
   
   
   • Larger deposit (15%+ improves options)
   
   
   
   

Example Scenario:
£400/day inside IR35 → £7,200/month deemed income → Potential £360k mortgage at 5x multiple

Common Mistake: Assuming you're limited to 4x salary - specialist lenders often offer more.

Need Help Navigating IR35 Mortgages? Our experts know which lenders offer the best terms for your situation.

Get Your Free Borrowing Assessment Today

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Why This Works:

• Targets a specific, concerned audience


• Provides immediate actionable solutions


• Includes real borrowing example


• Strong CTA for conversions