Umbrella company employee mortgages
Discover how our unique approach makes homeownership a reality for umbrella company employees.
We turn your payslips into a compelling financial profile for lenders, by using your day rate to determine mortgage affordability.
Freelancer Financials brings you closer to your home ownership goals.

We understand the barriers – and how to overcome them
The unique structure of umbrella company employees’ income can present challenges when applying for a mortgage. Many high-street lenders fail to consider more than PAYE income and deductions, overlooking their actual earning potential.
This misrepresentation can limit borrowing options, result in rejections, and damage your credit file, making an already complex process even more difficult. Focusing on your full financial picture ensures a fairer and more accurate assessment of your income.
Start your mortgage application today
Specialist support for umbrella workers
We specialise in arranging mortgages for umbrella payroll company employees, leveraging contract-based underwriting to enhance your borrowing potential. Here’s what we offer:
- Borrowing potential up to 5.5x your annualised contract rate.
- Customised affordability calculations: (your day rate x 5 days x 46 weeks).
- Access to specialist underwriters who understand umbrella company income structures.
- Comprehensive mortgage options, including fixed-rate, offset, tracker, and interest-only products.
- A contractor mortgage search tool to compare umbrella employee rates quickly and easily.
How much can I borrow as an umbrella company employee?

What you need to know about your umbrella company mortgage application
Applying for a mortgage as an umbrella company employee requires strategy and preparation. Lenders often request:
- Current and previous contracts.
- Detailed payslips showing deductions and gross income.
- Recent bank statements.
Eligibility depends on factors such as contract duration, income stability, and credit history. Working with our specialist brokers dramatically increases your chances of approval as we connect you with contractor-friendly lenders who understand your unique income structure.

Choose the umbrella employee mortgage experts
Specialist expertise
We specialise in this field and bridge the gap between complex umbrella income and contractor-friendly lenders.
Collaboration with underwriters
We collaborate with underwriters to ensure fair assessments.
Simplified process
We simplify the process with expert guidance on required documents.
Maximising approval chances
We maximise approval chances with lenders specialising in umbrella income.
Types of mortgage available
Our flexible, competitive solutions are designed to make your mortgage journey easier. We offer a range of mortgage products designed for contractors working under an umbrella payroll company, including: