Winners 2026
Your umbrella borrowing power,
in seconds
Built specifically for contractors paid through an umbrella company. Gross pay in, real borrowing figure out — no generic high-street maths, no being penalised because your contract has an end date on it.
Your umbrella income
Use the gross pay on your umbrella payslips — the figure before tax and National Insurance come off, not what lands in your bank.
We’ll average whatever you put in — leave a month blank if you haven’t got it to hand. A gap between contracts in there? Put the real figures in; we’d rather show you a number you can rely on.
Deposit
How much have you got to put down? This is added to your maximum loan to give your total purchase price.
Credit commitments
Add any monthly commitments — loans, cards, car finance. If something will be cleared before completion, mark it so and we won't count it against your borrowing.
£ What would the monthly payments be?
An indicative repayment on your maximum loan.
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Your calculation summary
This calculator provides an indicative estimate only and does not constitute a mortgage offer, advice, or a guarantee of lending. Your specialist maximum loan is estimated as 6.5× gross annual umbrella income (the gross pay shown on your umbrella payslips) less the impact of any monthly credit commitments not cleared before completion. Actual lending depends on a full assessment of your circumstances, credit profile, property and individual lender criteria. The 6.5× income multiple reflects an exclusive specialist arrangement and is subject to lender terms and availability. The high street figure is an illustrative 5× income comparison, not a quote from any named lender. Your home may be repossessed if you do not keep up repayments on your mortgage.