Chris
Chris spent over 30 years working as a senior IT contractor across the UK's major mortgage lenders — including Barclays, RBS, Virgin Money, and Nationwide. During that time he sat inside the mortgage operations, credit decisioning, and underwriting systems of institutions that between them write hundreds of thousands of mortgages every year.
That background is unusual. Most mortgage brokers know what lenders publish. Chris knows why they publish it — the internal logic behind affordability models, the parameters that credit teams actually use, and the points in an application where contractor income is most likely to be challenged or reframed.
After three decades contracting inside the financial sector, Chris made the transition from contractor to business owner — and immediately encountered the same mortgage problem that affects every contractor in the UK. Despite a strong track record and substantial day-rate income, mainstream lenders and generalist brokers struggled to assess him accurately. He spent time finding a route through it that worked. Then he built Day Rate Finance so that other contractors would have that route from day one.
Chris holds full CII qualifications in mortgage advice and equity release (CF1, CF6, ER1), meeting the FCA's qualification requirements for regulated mortgage activity.
"I've been on both sides of the mortgage desk — inside the lender, and sitting across from one as a contractor trying to get a fair deal. I set up Day Rate Finance because that gap shouldn't exist."— Chris, Founder
