LendInvest Mortgages has made improvements to criteria for its residential mortgage range.

The lender will consider up to 100% of additional income in the affordability calculation. This also includes income from a second job in an unrelated field.

Income from zero-hours contracts will be accepted as guaranteed income if there is a two-year history of receiving this income.

In addition, CIS contractors will be treated as contractors instead of self-employed.

Meanwhile, title insurance will be available on Scottish remortgage cases and underwriters have more freedom to improve applicant credit tiers.

The lender’s residential range includes support and specialist products for people who have multiple sources of income, are self-employed, key workers, or have complex credit histories.

LendInvest head of sales Paula Mercer comments: “With today’s enhancements to our Residential Mortgage suite, we are actively transforming our offerings to cater to those often overlooked by traditional lenders.

“Our expanded criteria for income consideration are designed to facilitate access to mortgages for a broader range of customers, particularly those who find their complex financial situations a barrier with high street lenders.”