There's a particular experience most IT contractors know.
You sit down with a mortgage adviser, explain you work through a limited company on a day rate, and watch them reach for the "self-employed" box.
Day Rate Finance exists because that experience is unnecessary.
Day Rate Finance was founded by a mortgage adviser with 34 years of IT contracting experience. Not as a consultant to the industry — as a contractor, inside it.
Writing specifications. Delivering projects. Navigating IR35 changes. Running a limited company. Paying an accountant. The whole experience.
When a contractor explains their payment structure, IR35 situation, or why their accounts look the way they do — we do not need it explained twice.
Day rate-based borrowing for IT contractors, consultants, and independent professionals. Assessed on your contract rate, not your salary.
Learn more →Build your property portfolio using contract income. We know the lenders who accept day rate assessments for BTL applications.
Learn more →Access capital tied up in your property. CII ER1 qualified advice for contractors and those approaching retirement.
Learn more →Life insurance and income protection that understands contract-based earnings. No fee for protection advice.
Learn more →Not "we have a contractor desk" or "we handle these cases alongside everything else."
We specialise in contractor mortgages because that is where the knowledge is genuine, the market is underserved, and the difference between a good broker and the right broker is measured in tens of thousands of pounds.
Day Rate Finance is a trading name of [Company Name] Ltd, an Appointed Representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority.
FCA Register Number: [NUMBER]
Company Number: [NUMBER]
Registered in England and Wales