I am delighted to confirm we have launched two new contractor mortgage schemes and attach product information for your information. All our general specialist lending criteria applies including:

• 7m contracting with 1 renewal acceptable

• Use pay rate x 5 x 48

• Minor adverse acceptable for contractors  – I attach our credit criteria matrix (any adverse listed in the left hand column is acceptable for contractor prime lending).

• No credit scoring or affordability calculator (manually assessed)