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.
Natasha at FF has been my broker for my first house purchase and has been absolutely phenomenal from the beginning! She has been a massive help guiding me through the process and explaining anything I didn’t understand, and found me a lender that approved me straight away.I’d been worried that getting a mortgage as a contractor might be complicated, but she made the whole process an absolute breeze.Huge thanks to Natasha! For any other contractors looking to get a mortgage, I cannot recommend Freelancer Financials highly enough!
Guy Davies
20/07/2026
George has been extremely helpful during our mortgage process, him and his team truly went above and beyond to ensure the process was as stress free as possible.
Christy Mamwa
17/07/2026
Many thanks to Natalie and Natasha at Freelancer Financials for sorting out my mortgage, and dealing with company accounts and investments as proof of eligibility. They were both efficient, professional and friendly throughout, and were able to pivot quickly to a different mortgage provider when the first one ran into a paperwork hitch.
Paul Overton
16/07/2026
Andrew Saunders is a god send, he has a solution for all issues and blockers. Andrew has always explained everything very clearly and I cudnt have asked for more. I seriously wouldn’t ever consider going to someone else and I havnt in the last 15 years, I trust him 100%.
heena GULL
15/07/2026
I have had an amazing experience working with Freelancer Financials, who secured my mortgage for me. Roger Hogg and Deepa Pareek did an amazing job getting this over the line for me. They made the whole process pain free and were a pleasure to work with! Highly recommend these guys if you're a freelancer trying to secure a mortgage.
Sim S
14/07/2026
Amazing service from Andrew and Leanie throughout the mortgage finding and securing process.No question was too much, prompt answers and fast reactions when we needed to go back for a mortgage adjustment.Can't thank you both enough for all the help with our first property purchase! Would 100% recommend to anyone. The knowledge and understanding from Andrew made us feel very secure in finding the perfect mortgage for us on our first property.
Jess Griffiths
13/07/2026
Natasha gives excellent service and really helps takes the headaches out of mortgages. She’s is very competitive and worth talking to for your next property or review.
Adam Hope Bespoke
13/07/2026
Can’t say enough about FF and Raj in particular. Been very professional to work with, great service quick and efficient. Went above and beyond in securing my mortgage. Def would recommend and will use again in future.
Keith Templeman
13/07/2026
Raj is an experienced and professional mortgage broker who I would definitely recommend. My husband and I worked with him for over a year, and throughout that time he was helpful and endlessly patient.He didn’t rush us into an application, but took the time to make sure all the groundwork was done first. I feel that he took the time to understand our specific circumstances and needs before working through our options and helping us find the product that genuinely suited our situation.Raj’s communication was excellent. He always made himself available by phone or email, responding either straight away or very shortly after we got in touch. He is knowledgeable and seemed to genuinely care about the outcome for us. He was also completely straightforward about fees. We didn’t pay anything until our mortgage was approved, which, as I say, was a full year after we first made contact.If you’re looking for someone who is experienced, patient and willing to be thoughtful about your specific situation then Raj is likely a great fit.
