Freelancer Financials offers tailored mortgage solutions for all contract workers planning to move home. We can secure the best contractor mortgage available to you as a home-mover, based on your contract rate alone. We streamline the mortgage process for you, making the most of your gross annualised contract income to enhance affordability.
Contractors often face unique obstacles when moving home, particularly with traditional high-street lenders. Standard lending criteria can undervalue your earning potential by focusing too much on accounts, payslips, or SA302s.
This can lead to rejected applications and missed opportunities. At Freelancer Financials, we specialise in contractor mortgages, ensuring your income is assessed fairly, whether you work under an umbrella company, limited company, or any other self-employment structure.
Try our range of online mortgage tools for your new home purchase
Mortgage repayment history alone may not be enough
Moving home is a big step. You’ve not only got to worry about furnishing your new home, you have to defurnish your current home.
The last thing you need is to have to worry about a new mortgage, too. And, if you didn’t use a specialist broker before, you know the hoops you had to jump through, then.
You may think that your mortgage payment history will be enough to get a good homemover mortgage this time. But you’re faced with the same problem: relying on an adviser to understand contract income. Through us, you can be sure you’ll get a specialist underwriter who understands contracting as well as we do.
A mortgage broker that gets you
You deserve a broker who understands your unique needs. We don’t only understand contractors. We’ve helped lenders develop contractor-friendly lending criteria, too.
Together with our hand-picked lenders, we can make your homeownership dreams a reality. No matter how you’re paid, we’ll ensure lenders see what you can truly afford with your income.
When you work with us, you’ll enjoy a simple process tailored to your circumstances. Our support will help you bypass lenders’ gatekeepers, giving you access to specialist underwriters. This can make all the difference in your search for your dream home.
Why Freelancer Financials?
Comprehensive mortgage options
Fixed-rate, tracker, interest-only, and flexible offset mortgages.
Access to senior underwriters
Experts who understand contractor income structures.
Generous borrowing limits
Up to 5x your gross annualised earnings.
Minimal documentation
Typically, you only need your contract, proof of ID, and bank statements if needed.
How much can I borrow as a contractor home mover?
Your stress-free home-moving partner
We’re committed to ensuring your home-moving journey is stress-free by providing:
Step-by-step guidance
From your first consultation to mortgage completion, we’ll be with you every step of the way.
Tailored affordability advice
Maximise your borrowing potential while safeguarding your credit score.
Award-winning expertise
Trusted by contractors and recognised as a leading specialist mortgage broker.
Streamlined efficiency
Timely mortgage approvals, even in the most complex property chains.
Compare the best mortgage deals for contractor home movers
Stamp Duty Land Tax (SDLT) calculator
Stamp Duty is an unavoidable tax when buying a home, yet many overlook it until the last minute.
The amount you owe depends on various price bands, with each portion of your total calculated accordingly.
To simplify this, just enter the purchase price into our Stamp Duty calculator, then hit Calculate to see your SDLT bill instantly.
Well where do I begin.I’m a first time buyer, I had a thousand questions and I’m sure at one point i really annoyed my advisor. 🤣These guys are amazing. Clear, concise, communicative and confident. They helped me every step of the way.Can’t recommend enough.
Gary Hirst
21/10/2026
I've worked with Andrew Saunders at Freelancer Financials for several years now, and he's always been absolutely brilliant.He's knowledgeable, approachable, responsive and always happy to explain things clearly. Most importantly, he's proactive and genuinely looks out for your best interests. During our most recent application, he'd already challenged a lower-than-expected property valuation before I'd even thought to ask him to.I wouldn't hesitate to recommend Andrew and Freelancer Financials, and I'll certainly continue using his services in the future.
John Walsh
18/10/2026
Glad I came across Freelancer Financials. Dealt with a gentleman called Andrew. I must say he was very knowledgeable, easy to work with and got my remortgage offer very quickly. I would definitely recommend Andrew and will be using him going forward from now on. Thank you very much.
Marcus D
16/10/2026
Having recently started my first contract role, I was concerned about whether securing a mortgage would be possible. After finding Freelancer Financials online and reading their excellent reviews, I decided to get in touch. I'm so pleased I did. Andrew was fantastic from start to finish, offering clear guidance, prompt communication, and expert advice throughout the entire process. Thanks to his support, securing a mortgage was far less daunting than I expected. I would highly recommend Freelancer Financials to anyone looking for specialist mortgage advice.
Dan Arciniega
13/10/2026
We couldn’t recommend George and Freelancer Financials highly enough! We had a particularly tricky situation when it came to securing our mortgage, and after being quickly turned away by several high street banks, George went above and beyond to find a solution and secure us a mortgage with a high street lender. His knowledge, determination and responsiveness made all the difference, and honestly, we don’t think we could have done it without him! He was always happy to answer our questions, even taking our call while going through airport security on his way home from a trip! That level of dedication speaks volumes. We’re incredibly grateful for his help and would recommend George to anyone looking for a mortgage broker!
Justin Shik
09/10/2026
I approached Freelance Financials with the sort of problem that affects many contractors: securing a mortgage based on a day rate rather than a salary figure. Raj Sanghera went to work and quickly had a good deal on the table with a major high street lender, with very little fuss. I had an agreement in principal within 48 hours and the full offer within 10 days. Highly recommended.
Mark Lewin
06/10/2026
Asked for help with mortgage due to being self-employed. Spoke with Andrew Saunders and the rest is history. Always kept in the loop with each step. Answered calls each time. Couldn't ask for anything better for my first experience. Would recommend.
Andy Gibson
06/10/2026
Excellent support for our mortgage so far.
Jez Belas
05/10/2026
Raj was yet again knowledgable, a pleasure to deal with and came up with the perfect product for my needs which went through smoothly and without issue. Leanie was also extremely efficient as Raj's assistant. I would thoroughly recommend Raj to anyone.
