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.
Five stars is simply not enough for Archie! Before finding him, I spoke to three different mortgage brokers who all turned us away. They insisted we wouldn’t be able to get a mortgage because my wife's visa was ending soon, she didn't have 12 months of payslips, and she was on a fixed-term contract with only 4 months left.Where other brokers saw impossible roadblocks, Archie saw solutions. He took the time to understand our exact situation, navigated every detail expertly, and fought to get our mortgage application approved and fully offered.I am truly and deeply grateful for Archie's incredible effort, constant support, and dedication throughout this process. If you want a broker who actually cares and knows how to get results when others give up, speak to Archie. Highly, highly recommended!
Zeeshan
26/08/2026
We're a difficult case - due to contractor income. Raj has made it all very easy for us a few times now - excellent!
Ben Fletcher
26/08/2026
Exceptional service provided by Louisa and George with my most recent remortgage (and previous mortgages). George and the team are highly knowledgeable within the mortgage market and are well connected with lenders to provide the most competitive rates. Thank you Freelancer Financials.
Imran Uddin
24/08/2026
If you need a mortgage, go nowhere else other than George.I have known George and his Dad for a while now as we did some work together a few years ago, which is why I was a little hesitant to write this review, as I didn’t want to appear biased, but after the job he has done it felt unfair not to.I was employed for a number of years before going self employed recently. As such I didn’t have the required 24 months worth of filing to be able to get a mortgage so the plan was to do it solely in my wife’s name. However there were a few problems with the lender wanting me on the mortgage if I lived at the property so on I went.George then had to work miracles to get a whole host of exceptions made on my company structure, length of trading, source of dividends and a few other bits which in reality I never thought he would manage.His honesty, attention to detail and unwillingness to know when to stop fighting for his clients is remarkable and it’s my belief if we would have had anyone else dealing with our application we wouldn’t have got over one of the seven or eight hurdles George managed to navigate, let alone all of them!He is a credit to the business, but also the industry that sometimes gets a bit of an unfair hammering, and I have already recommended him to someone else about to remortgage and wouldn’t hesitate to recommend him to others. I will 100% going with him when I am due to remortgage!
Stuart Latchford
21/08/2026
I cannot recommend Freelancer Financials, and in particular George enough!We found our perfect house after one viewing, but that was the only part of the journey that was smooth.There were issues with developers, employment history’s, changes in employment, temporary secondments where additional income couldn’t be included and changes in ownership structures for my husband who is self employed, as had only been for 12 months, another issue, but George went to battle for us.He managed to argue our case on several separate occasions, he communicated wonderfully, he never over promised, but always over delivered! I can say with all certainty, if we had had any other mortgage broker we would not have a mortgage and would not have managed to complete on our home. We owe him a huge amount and will be forever grateful for all his hard work!Although it was painful at times, not at all because of George, we already know when our fixed term is up we won’t be going anywhere other the George to help us through this process again.
Loretta Barnet
21/08/2026
I simply cannot express how amazing George has been through this process. What an absolute pleasure he was to deal with. Mortgage secured, no hassle, didn't have to sit through hours of calls. Simply excellent. Highly recommend 👌.
Tracy Lewis
21/08/2026
I have had an excellent experience with Raj and would highly recommend him to anyone looking for a reliable and professional mortgage broker.I have been working with Raj for the past six years, and this is now the third time he has helped me secure a great mortgage deal. Every time, he has been professional, supportive and genuinely committed to finding the best option for my circumstances.Raj always takes the time to understand my requirements and provides a range of the best options available in the market. He also explains the pros and cons of each option and gives clear, honest advice on which one would be most suitable based on the current market conditions.He is always available whenever I have questions, keeps me informed throughout the process, and consistently goes above and beyond to make everything as smooth and straightforward as possible.I really appreciate his continued support and would not hesitate to recommend him to anyone looking for a knowledgeable, trustworthy and responsive mortgage broker.Highly recommended!
blessed kirubakran
19/08/2026
Worked with Neetesh who was great. Very clear, patient and communicative which is everything you need from a mortgage advisor.
Johnny Tsevdos
18/08/2026
Andrew came highly recommended and exceeded expectations, I’m very happy with Freelancer Financials.Andrew really listened, taking the time with me to understand my situation and my . Leanie and Andrew made very fast progress on the advice agreed.
Daniel Edwin
15/08/2026
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.
