Finally got through to first direct and they are contractor friendly, 2 years ltd accounts and the rest umberalla they just want to see 2 years accounts and my tax returns for the years I was with the umberalla to see the divs. Great deals at mo 4.75% fixed offset, £1500 setup cost or 5.25% fixed offset £99 set up, the 5.25% works out best for me.
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