LENDING CRITERIA

• Acceptable to be paid via an umbrella company, which pays tax and NI for the applicant
• Where contracting for more than 12 months, accounts to be provided
• Where contracting less than 12 months and the employer pays both tax and NI,
• income verified via payslips (as per employed applicants)
• Where contracting less than 12 months and paid via an umbrella company, income
• ·verified via last 3 months payslips
• Where contracting less than 12 months, self-employed, and applicant pays their own tax and NI, weekly contact rate x 46 (weeks) less applicable expenses is used

Minimum 6 months contract or rolling 3 months renewed at least once. Customer must have a 1 year track record of employment within the same line of work

We do not accept applications from customers with a criminal record unless the conviction is for a minor traffic offence, or is spent under the Rehabilitation of Offenders Act 1974, as this may have a bearing on their ability or willingness to make payments in the future, or to obtain adequate insurance on the security property.