The mortgage broker for contractors and the flexible workforce
At Freelancer Financials, we go beyond simply understanding the mortgage industry – we’ve shaped it.
Our expertise ensures contractors and the self employed can secure the best mortgage deals based on their day rate and earnings, backed by the common-sense criteria we’ve championed.
Trust the team that’s revolutionising the way mortgage lenders see contractors and the self employed- we’ll help you achieve your home ownership goals, no matter how complex your situation.
Conventional lending often underestimates a contractors true mortgage affordability
Traditional affordability criteria aren’t designed for the unique nature of your work and earnings, leaving many contractors with mortgage offers that don’t reflect their real financial capability.
At Freelancer Financials, we’ve pioneered a different approach. By leveraging your gross contract earnings, we bypass conventional underwriting and ensure lenders recognise your true affordability.
With us, you will get a mortgage offer that reflects your actual income, empowering you to secure the home you deserve.
Tailored solutions for every stage of your mortgage journey
At Freelancer Financials, we specialise in providing mortgages for contractors and the self employed that suit every stage of your life.
Whether you're taking your first step onto the property ladder, moving home, remortgaging or expanding your portfolio, our award-winning broking team is here to help.
As an independent broker with more than 20 years' experience, contractors and the self employed will benefit from our expertise and unbiased advice.
Founded in 2004, Freelancer Financials has been at the forefront of transforming the mortgage landscape for contractors. As contractor mortgage pioneers, we’ve played a key role in educating lenders, enhancing assessment criteria, and securing thousands of mortgages for contractors nationwide.
With more than two decades of expertise, we’re the safe and trusted pair of hands you need to navigate the complexities of contractor mortgages.
No matter your industry, experience or how you're paid, we’re here to help you get the mortgage you deserve. We support the flexible labour workforce, independent professionals and contractors of all kinds.
John Yerou, founder and CEO of Freelancer Financials attended the awards event with the broking team. Reflecting on the achievement, he said “We are honoured to be recognised by the industry for our commitment to providing contractors with an exceptional service.”
“This award stands testament to the expertise, hard work and dedication of our entire team, who are passionate about helping contractors achieve their homeownership dreams.”
Freelancer Financials is a multi-award winning independent mortgage broker, specialising in supporting the flexible workforce.
How much can I borrow for my contractor mortgage?
Protection insurance cover
Contractors cannot rely on the sick pay and death-in-service benefits they were used to as employees, as these are only available to permanent staff. Instead, they need to put their own cover in place to protect themselves, their families and their homes in the event of illness or death.
One size does not fit all – you need protection insurance that works for your specific personal situation. Our expert protection advisers will propose a package of cover tailored to suit a your unique circumstances.
Click the links below to learn more about the types of protection insurance we offer, or speak to the protection experts at Freelancer Financials on 020 8421 7999.
After weeks of searching for a lender who truly understood my situation as a freelancer working across multiple companies, I was fortunate to be introduced to FreelancerFinancials.My broker, George, was outstanding from start to finish. He is approachable, knowledgeable, intelligent, and incredibly skilled at what he does. What impressed me most was his ability to understand the complexity of my case and package it meticulously for the right lender.George anticipated potential obstacles before they arose and proactively addressed them, ensuring the application was presented in the strongest possible way. The way he packaged the case meant there was very little back and forth between myself, the lender and him throughout the underwriting process. He identified potential bottlenecks early and resolved them before submission, which made what could have been a stressful and drawn-out process remarkably smooth.Anyone can place a straightforward case, but the mark of an exceptional broker is how they handle a complex one. George’s expertise, persistence and strategic thinking resulted in a mortgage offer that I genuinely did not think was possible.What stood out even more was that, after securing an initial offer that I was already happy with, George continued to work on my behalf and successfully negotiated an even better deal. That demonstrated that his priority was not simply getting the mortgage approved, but achieving the best possible outcome for me, as his client.The end result was a mortgage offer at a rate comparable to those available on the high street, despite the complexities of my circumstances.I cannot recommend George and FreelancerFinancials highly enough. If you’re self-employed, a contractor, freelancer or have more complex circumstances, you want someone like George in your corner.
Iszy
23/06/2026
I had a fantastic experience working with Freelancer Financials. Navigating the mortgage market as a contractor can be daunting, but the team made the entire process incredibly straightforward. I want to extend a special thanks to Neetesh and Natalie. Neetesh was absolutely instrumental in getting my application over the line. His expertise, clear communication, and responsiveness made a potentially stressful situation feel manageable. I felt supported at every stage, and I wouldn't hesitate to recommend them to any other contractors looking for a mortgage.
Linda Kyei-Baffour
19/06/2026
Nothing but positives to say about my experience with Natasha. She was always very responsive, very helpful and sorted us with a mortgage without the usual headache. Was so happy with the service I did not feel the need to look anywhere else to compare. Will continue to use Natasha whenever I need a mortgage!
Tim Spearing
19/06/2026
I would highly recommend AndrewSaunders. He provided a very professional service throughout the entire process. He paid close attention to every detail and made sure our application was completed correctly to avoid any issues or rejection.He was thorough, knowledgeable, and always available to answer our questions. Thanks to his careful guidance and support, our application was successful. We are very pleased with the service we received and would not hesitate to recommend him to others.
Nabil Ahmed
16/06/2026
Freelancer Financials sorted my mortgage with calm efficiency and proper know-how. Saved me a fair bit of stress, and their advice was spot on throughout. Would happily recommend them to any freelancer needing a smooth, sensible mortgage process.
Billy Trapping
15/06/2026
I have recently used Natasha Saunders and Natalie Jefferson to obtain my first mortgage. Due to the age of my husband and historical bad credit our options were limited, but Natasha and Natalie worked so hard to ensure they found something suitable and affordable for us.They are also both so friendly and approachable. Being a first time buyer I had a lot of questions and they were happy to answer them or point me in the direction of who could.I will be forever grateful to them.Thank you.
Penelope Cuviello
01/06/2026
George is brilliant! No question too small (or big), always quick to respond with sound advice and recommendations.
Sarah Swann
26/05/2026
I have used the services of Andrew & Leanie several times over the last few years - they are readily contactable, provide good options depending on my requirements, always take the time to discuss and explain details / respond to queries, and make everything as straight forward as possible.
Rob Langford
25/05/2026
Ryan has been incredibly supportive throughout a very complex mortgage situation involving an expat Buy-to-Let case. He took the time to explore every possible avenue, spoke directly with lenders and BDMs, and provided clear, honest and pragmatic advice throughout the process. What really stood out was his willingness to go above and beyond, including escalating the case internally and genuinely trying to find a fair solution rather than simply pushing products. Highly recommended for anyone needing a knowledgeable and trustworthy broker, especially for more complex cases.
Michele Riso
22/05/2026
Guides
At Freelancer Financials, we're here to make your financial journey easier. Our guides are designed to give you the insights and tools you need, whether you're securing a mortgage or navigating industry trends. Explore our resources and take control of your financial future.
Stay up to date with the latest mortgage insights, market trends, and expert commentary. Our blogs cover everything from rate movements to tax changes, helping you make informed decisions in a fast-moving market.
Get in touch with our expert team today and take the first step toward a mortgage that truly reflects your earning potential. Contact us now and let’s make it happen.