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.
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
Thank you. Incredible service from Andrew Saunders and Leanie Freed with getting my mortgage completed. They were truly incredible. They were quick, efficient and very professional. Thank you again.
Ranney
21/05/2026
I genuinely can’t recommend Freelancer Financials highly enough, and ESPECIALLY ARCHIE HOGG who has been absolutely outstanding from start to finish!!!!As two 21/22-year-old first-time buyers, we honestly expected the mortgage process to be stressful and difficult, especially as I’m a contractor working for a company abroad and didn’t yet have my first year’s accounts. We’d already been turned away or dismissed by multiple brokers who just weren’t willing to help. Archie was completely different.From the very first conversation, he was kind, patient, and genuinely took the time to understand our situation instead of brushing us off. He made everything feel so much less overwhelming and was always easy to talk to!He didn’t just find us a great rate, he went above and beyond in every possible way. He managed to liaise with Accord and somehow secured a rate that protected us before our original offer expired during a period when the market was changing rapidly. With everything going on at the time, including sudden rate increases, it felt like we were going to lose everything, but he kept it all together for us.On top of that, he somehow managed to improve the deal again and ended up saving us over £200 a month, which as first-time buyers is absolutely life-changing for us.We’re honestly still in disbelief at how much effort he put in for us. He didn’t treat us like “just another case”, he genuinely cared, and it shows in everything he did.We’ll forever be grateful to him. He’s not just the best mortgage broker/person we’ve dealt with, but he’s someone who truly changed the experience of buying our first home for the better.
Martyna Puzio
20/05/2026
I would like to express my sincere appreciation for the excellent service provided by George and Louisa throughout the entire process.From the beginning, both have been highly professional, responsive, and supportive, ensuring clear communication and a smooth experience at every stage. George in particular demonstrated outstanding dedication and professionalism, always going above and beyond to assist and guide us, which made the process much easier and stress-free for me and my family.We are extremely satisfied with the level of service received and truly grateful for the support provided. I would confidently recommend their services to others and will be leaving a positive review reflecting our experience.
maqbool ahmad
19/05/2026
Roger Hogg and Deepa Pareek were absolutely outstanding throughout my remortgage process. From start to finish, they were professional, knowledgeable, responsive, and incredibly supportive. What could have been a stressful experience felt smooth and straightforward thanks to their guidance and expertise.Roger took the time to explain every step clearly and made sure I understood all my options, while Deepa was exceptional at keeping everything moving efficiently and updating me regularly. Their communication was excellent, and nothing ever felt like too much trouble.I genuinely felt they had my best interests at heart and worked hard to secure the best possible outcome for me. Their attention to detail, patience, and dedication were second to none.I would highly recommend Roger and Deepa to anyone looking for expert mortgage or remortgage advice. A fantastic team who deliver first-class service.
Richard Robinson
19/05/2026
After struggling with finding a broker that could help, due to my agency/umbrella company payslips, I came across Freelancer Financials. We were at a point where we thought we may need to withdraw from the purchase as we thought we would never get a mortgage.Raj was understanding and had a good understanding of what I needed and was reassuring throughout. He understood the complexity and was always able to advise when needed. I have recommended Raj to my colleagues who are working via umbrella companies and agencies. We finally got our mortgage offer.Ps dont let him retire just yet! (maybe a payrise for having to deal with my stressed self haha) ! :)
Maryam Hussain
17/05/2026
Both George and Louisa have been fantastic in supporting my partner and I with the mortgage application process. Especially as first-time buyers, we have really appreciated the regular updates and detailed advice to support us in making the most informed choices for our needs. George went above and beyond, particularly when breaking down the process and being quickly available to answer any questions, making the whole experience smooth and stress-free. We would both 100% recommend George and Louisa to anyone looking for a mortgage.
G S
11/05/2026
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.
