Free IR35 Check
Know your IR35 status in minutes - not weeks
We’ve partnered with Nebula Finance to give Broadbench clients the first 100 AI-powered IR35 assessments completely free
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What is the IR35Hub Assessment?
IR35Hub is a new online assessment tool from our partner Nebula Finance that determines your IR35 status quickly and clearly. Instead of wrestling with HMRC’s CEST tool or paying for a full professional review on every contract, you answer a straightforward set of questions about your contract and working practices, and IR35Hub’s AI-driven determination engine does the rest, giving you a clear result you can use with confidence.
Whether you’re an IT contractor, engineer, management consultant, healthcare locum or creative freelancer, your IR35 status shapes your take-home pay, your tax position, and how your protection and mortgage should be structured. Knowing where you stand is the essential first step.
IR35Hub offers two tiers. Everyone can do a free quick check – ten plain-English questions and an instant inside/outside/borderline verdict in about two minutes, no card required. The full assessment (normally £19.99) goes much deeper: your real contract is read clause by clause, 41 specialist questions are scored across all five HMRC factors by two independent AI passes, you receive suggested rewrites for risky clauses with case-law citations, and the output is an audit-grade Status Determination Statement (PDF). As Nebula Finance’s launch partner, Broadbench has secured the first 100 full assessments completely free for our clients.
- New Contract Confidence – Check every new engagement before you sign, so there are no surprises in your take-home pay.
- Evidence for Lenders – Your IR35 status affects how specialist lenders assess your income for a mortgage.
- Smarter Protection Planning – Inside or outside IR35 changes which tax-efficient covers, such as relevant life insurance, are right for you.
- Peace of Mind – A clear determination beats guesswork when HMRC comes knocking.
Your Free IR35 Assessment – First 100 Clients Only
As a Broadbench client, claiming your free assessment takes less than a minute to set up:
- Click Start Your Free IR35 Check — this uses our dedicated partner link so your free code applies.
- Enter the code BROADBENCHIR35 at the checkout; this gives you a 100% discount.
- Answer the questions about your contract and working practices.
- Receive your IR35 status determination.
The free full assessments are strictly limited to the first 100 clients, on a first-come, first-served basis. Once they’re gone, full assessments remain available through the same link at the launch price of £9.99 (standard price £19.99).
The Benefits of Checking Your IR35 Status
1. Fast, AI-Driven Determination
No jargon, no case-law rabbit holes. Answer plain-English questions and get a clear determination in minutes, powered by IR35Hub’s AI determination engine.
2. Free for the First 100 Clients
An exclusive launch benefit we’ve secured for Broadbench clients, a £19.99 full assessment at no cost, with no obligation.
3. Check Before You Sign
Run a check on any new contract before you commit, so you know exactly how the engagement affects your take-home pay.
4. Supports Your Mortgage Conversations
Specialist lenders assess contractor income differently depending on IR35 status. A clear picture of your position makes borrowing conversations smoother.
5. Sharper Protection Planning
Your status shapes whether company-paid covers like relevant life insurance and executive income protection are right for you. Know your status, then structure your cover properly.
6. Backed by Broadbench Advice
Once you have your result, our advisers can help you understand what it means for your protection, mortgage and wider finances, as always, with no obligation.
Please note:
IR35Hub is provided by Nebula Finance and is a status determination tool. It does not constitute financial, tax or legal advice. Broadbench does not provide tax advice; we recommend speaking to your accountant about the tax implications of your IR35 status. Broadbench may receive a payment from Nebula Finance for assessments purchased via our partner link. Broadbench Ltd is authorised and regulated by the Financial Conduct Authority (number 590288) in respect of mortgage and insurance mediation activities only.
Why Contractors and Freelancers Are Checking Their IR35 Status
IR35 remains one of the most significant and most misunderstood factors in contractor finances. Since the off-payroll working rules shifted determination responsibility to medium and large clients, contractors have faced blanket determinations, changing engagement models, and real consequences for take-home pay.
Whether you’ve moved inside IR35, work outside IR35 through your limited company, or juggle a mix of engagements, an independent assessment helps you:
- Challenge or sense-check a client’s blanket determination with evidence.
- Understand how a new engagement affects your net income before you sign.
- Keep a record of your working-practice assessments across contracts.
Broadbench – Helping Contractors, Professionals & Business Owners Protect What Matters Most
What Happens After Your Check?
Your IR35 determination is the starting point, not the finish line. Whatever your result, it’s worth reviewing what it means for the rest of your financial setup:
If you’re inside IR35, your take-home pay and the way lenders and insurers view your income may have changed. We can help you restructure your protection and review your mortgage options accordingly.
If you’re outside IR35, you may be able to take advantage of tax-efficient, company-paid covers such as relevant life insurance and executive income protection, often significantly cheaper than paying personally from post-tax income.
If your position is unclear, our advisers can point you towards the right specialists while making sure your income and family stay protected in the meantime.
FAQs
What is IR35?
IR35 (the off-payroll working rules) is UK tax legislation designed to identify contractors who work like employees but operate through an intermediary, such as a limited company. If a contract is “inside IR35”, the income is taxed like employment income; if “outside IR35”, the contractor can operate more tax-efficiently through their company. Your status is determined contract by contract, based on your working practices.
How does the IR35Hub assessment work?
You answer a set of plain-English questions about your contract and how you actually work, covering areas such as control, substitution and mutuality of obligation. IR35Hub’s AI-driven determination engine analyses your answers and produces a clear status determination in minutes.
Is the assessment really free?
Yes, for the first 100 Broadbench clients. Use our partner link and enter the code BROADBENCHIR35 at checkout for a 100% discount. After the first 100 codes are redeemed, assessments are available through the same link at the standard price of £9.99 or £19.99 after the offer period. There is no obligation attached to the offer.
Is this the same as HMRC’s CEST tool?
No. CEST is HMRC’s own checker and has been widely criticised for returning “undetermined” results in a significant share of cases. IR35Hub is an independent tool that uses an AI-driven engine to assess your working practices. Neither tool constitutes legal or tax advice, but an independent assessment gives you a useful evidence point and a clearer picture of your position.
Does my IR35 status affect my mortgage?
It can, significantly. Lenders assess contractor income differently depending on whether you’re paid via your limited company, an umbrella, or inside-IR35 arrangements. If your status has changed, your borrowing capacity may have too. Our advisers work with specialist lenders who understand contractor income, whatever your IR35 position.
Does my IR35 status affect my insurance and protection?
Yes. Your status shapes how your income protection, life cover and other policies should be structured. For example, contractors outside IR35 with a limited company can often use relevant life insurance or executive income protection, paid by the company as a business expense. Contractors inside IR35 or working via an umbrella may be better suited to personal policies. We’ll help you get the structure right.
What should I do with my determination?
Keep it for your records, share it with your accountant, and if it changes your income picture, talk to us about whether your protection and mortgage arrangements still fit. You can book a no-obligation call with a Broadbench adviser using the form below.
Will Broadbench see my assessment results?
No. Your assessment is between you and Nebula Finance’s IR35Hub. Broadbench only receives anonymised referral statistics, such as the number of assessments started through our partner link.
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