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.
Best contractor mortgage provider or broker - 4 years running
Freelancer Financials has been named “Best Contractor Mortgage Provider or Broker” at the 2026 Contracting Awards, securing the award for the fourth consecutive year and fifth time overall.
The win recognises our specialist expertise and continued commitment to helping contractors and self-employed borrowers secure mortgages, including those with complex income structures.
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.
⭐⭐⭐⭐⭐ Outstanding Service – Highly Recommended!I cannot thank Miss Natasha Measure from Freelancer Financial enough for her outstanding support and professionalism throughout my journey of buying my first home.From the very beginning, Natasha went above and beyond to help me secure my mortgage approval, making the entire process smooth, straightforward and stress-free.What makes Natasha truly exceptional is that she didn’t just help me with the mortgage. She also provided valuable, honest advice and guidance when I was deciding which property to buy. Her knowledge, patience and genuine care gave me the confidence to make one of the biggest decisions of my life.She was always approachable, responsive and willing to take the time to explain everything clearly. I genuinely felt that she had my best interests at heart throughout the entire process.Thanks to Natasha, I am now able to fulfil my dream of owning my first home, and I couldn’t be happier!I would wholeheartedly recommend Natasha Measure to anyone looking for a mortgage broker who is not only highly professional and knowledgeable but also genuinely cares about her clients.Thank you so much, Natasha, for everything you have done for me. Your help and support have been truly invaluable!Maksim Mata
MataxConstruction LTD
06/11/2026
If you are a sole trader/contractor/freelancer looking for a mortgage then get in touch with Freelancer Financials. They are a specialist broker for the self employedWe approached Freelancer Financials after being turned down at the full application stage with Haysto / Bluestone Mortgages. Haysto advertise as Sole Trader/contractor/freelance/self employed specialist but they are certainly not. We feel Haysto had given us false hope from the start with no real feedback on how to proceedThis is where Freelancer Financials are different. We was put in touch with Archie Hogg who was superb all the way through from DIP to full application. He listened to our unique case and kept us fully updated all the way through. Archie Hogg certainly knows the broker world for sole trader/contractor/freelancers and so we finally received our mortgage offerWe can't thank Archie and his team Deepa enough as we can now look forward to our new home.Archie is our go-to broker from now on as he is the best in the business, we are forever in his debtThank youSteve
Steve
05/11/2026
Great company who have advised us for our last 3 mortgages. We would never have got the first one without their advice as my husband is self-employed and 10 or so years ago it was pretty hard to secure a decent product. Andrew is excellent and I would recommend them 100%
Clare Moore
23/10/2026
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
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.
