Mortgage calculators and tools

At Freelancer Financials, we’ve transformed the mortgage process for contractors with our range of easy-to-use tools.

Whether you’re purchasing your first home, refinancing, or looking to invest in property, our mortgage calculators offer personalised insights to support you throughout your journey.

 

Why use our calculators?

With our bespoke calculators, you can quickly estimate your borrowing power, repayments, and costs, whether you’re a contractor, umbrella employee, or CIS worker.

Keep in mind:

  • Calculators provide estimates, not guarantees.
  • Affordability depends on industry experience, deposit size, credit rating, income stability, and financial commitments.
  • Lender criteria may vary depending on your work structure and mortgage goals.

Speak to our expert brokers for tailored advice and unlock the best mortgage deal for you.

Start your mortgage application today

Calculators are a starting point

Our calculators provide quick estimates to guide you, but they won’t replace tailored advice or a lender’s formal decision. Use them as a helpful first step and let us handle the rest.


What affects your borrowing and repayments? It’s not just about your income. Lenders look at these factors, which shape how much you can borrow and what you’ll pay monthly:


Deposit size and loan term

A larger deposit or shorter term can improve your options.

Credit history

Your track record matters; good credit often means better deals.

Financial commitments

Existing debts or expenses impact affordability.

Dependents

More dependents can affect how much you can borrow.

Contract details

Your rate, contract length, and experience play a big role.

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What makes Freelancer Financials different?

Ready to take the next step?

Contact our expert team today. Whether you’re exploring options or ready to apply, we’ll guide you to the perfect solution based on your circumstances.

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