Lending
Mortgages
Inside IR35 or outside IR35 first. Then the purchase, the remortgage, or the buy-to-let.
Inside IR35
Umbrella or payroll. The total gross pay on the payslip is what is typically used, after the company has taken its cut.
Outside IR35
Your own limited company. The daily rate usually gives the highest loan, with no umbrella or payroll fees to account for.
First-time buyer
A first home, with a contract rather than a salary as the starting point.
Moving home
The next purchase, including a let-to-buy where you keep the current property.
Remortgage
A deal ending, a rate switch with your current lender, or capital raised.
Buy to let
A rental in your own name, assessed on the rent as well as the contract.