Leading the way for contractors since 2004

For more than 20 years, Freelancer Financials has devoted itself to changing lenders’ attitudes towards the flexible labour workforce.

We have secured over 30,000 mortgages for fixed-term contractors, umbrella employees, company directors, locums, Construction Industry Scheme (CIS) subcontractors and zero-hours contract workers.

 

Our vision

Our founder, John Yerou, experienced first hand the challenges contractors face when trying to secure a mortgage. As a disruptor, he was determined to make a difference. In fact, he didn't just create a brokerage - he spearheaded a movement. By working closely with lenders and advocating for change, Freelancer Financials helped reshape how the industry views contractor mortgages.

Our difference

Contractor mortgage experts

Our groundwork helps contractors get mortgages based on their true earnings potential. Irrespective of trading structure — Ltd or PAYE Umbrella — or IR35 status, they can borrow based on gross contract income, making post-tax accounts and payslips redundant.

Industry pioneers

As such, we’ve become the most dominant and authoritative contractor mortgage specialist in the UK, and one of the largest brokers outright. Yet we remain a family-owned, independent mortgage firm.

Fully independent

As fully independent mortgage brokers, we have the freedom to search the entire market on your behalf. Our independence ensures that we offer you the best possible mortgage options and truly unbiased advice, tailored to your specific needs.

Personal touch

You're more than just a customer to us. We take the time to understand your unique financial circumstances, allowing us to offer a personalised approach rather than a "computer says no" mentality.
Limited company contractors

Our promise

Our promise to you is simple: we will do everything in our power to help you secure the mortgage – and the home – you’ve worked so hard to achieve.

We’re committed to being open and transparent in all communications, with both clients and lenders alike. Integrity is key to our core values.

Our impact

Our influence goes beyond just securing mortgages. Through relentless lobbying, education and our unwavering commitment to improving the industry, we’ve helped shift the biased attitudes of lenders toward contractors and freelancers.

A prime example of our impact is the negotiation of underwriting criteria that now accurately assesses earnings for lending purposes using the contracting day rate. By educating lenders on what truly matters, we’ve helped change the way they perceive and value contractors.

Contact us

Contact Freelancer Financials here for any broking or commercial enquiries.

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