Unlock your mortgage potential with contract-based underwriting

Freelancer Financials leads the way in securing mortgages for limited company contractors.

Find the mortgage that mirrors your actual earning potential as a limited company contractor with contract-based underwriting.

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Why do limited company contractors face challenges securing a mortgage?

Many high-street lenders completely miss the mark when it comes to understanding contractor income structures. They focus solely on salary and dividends, drastically underestimating a contractor’s true earning potential.

This narrow view limits borrowing capacity and unfairly labels contractors as high-risk. Traditional underwriters fail to appreciate the solid foundation of your contract income. When lenders reject mortgage applications, it can severely damage your credit file, creating even more hurdles in the future.

By fixating on salary and dividends, lenders ignore the substantial income contractors often retain within their limited companies for tax efficiency. We use contract-based underwriting, which evaluates gross contract earnings. This approach delivers a fairer and more accurate affordability assessment, unlocking better mortgage options tailored to your needs and ensuring you secure the mortgage you deserve.

A specialist approach: contract-based underwriting

We calculate your borrowing power using your gross daily contract rate, not outdated salary-based methods. This approach lets contractors borrow up to 4.5 – 5.5 times their annualised day rate, and only minimal documentation is needed:

Current contract
Proof of address and ID
Bank statements
CV (if applicable)

How much can I borrow?

Why choose us?

Expertise and experience

With nearly 20 years of experience, we specialise in helping limited company contractors navigate complex income structures and secure competitive rates from contractor-friendly lenders.

Tailored support

We simplify the mortgage process with personalised guidance to ensure you get the best deal for your situation.

Easy comparison

Use our contractor mortgage search tool to easily compare options and find the most suitable mortgage for you.

Hassle-free solutions

We provide hassle-free mortgage options designed specifically for contractors, taking the stress out of the process.

What happens now

Our friendly brokers will begin with a conversation about your goals and circumstances. With Freelancer Financials, it’s simple, stress-free, and tailored to your needs.

Essential details

We gather important information such as your contract and preferred mortgage terms.

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Expert broker support

Our experienced brokers present your case to contractor-friendly underwriters.

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Best rates secured

We work to secure the best rates and terms for you.

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FAQs

Are interest rates higher for contractors than other borrowers?

Are life and buildings insurance compulsory with my mortgage?

Are there any upfront mortgage fees or hidden costs involved?

Do contractors need to find a huge deposit for a mortgage?

Do I need 3 years accounts to prove earnings for a mortgage?

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 through a limited company, including:

Start your mortgage application today

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Quick links

Contractor-friendly mortgage lenders

Contractor mortgage calculators

Your protection insurance options

What makes Freelancer Financials different?

Best mortgage deals for contractors

We're rated 5 stars on Google

					Another seamless mortgage renewal through Andrew Saunders at Freelancer Financials (despite throwing ever more complexity his way)! After 10 years I really can't recommend Andrew enough - from start to finish, he always makes the entire process efficient and straightforward, and his expertise in navigating the complexities of contractor mortgages is clear. Huge thanks also to Leanie Freed.				
Sally Verney
11/06/2025
					I cannot thank George Yerou enough for all of his help and advice !The customer service was outstanding, and the solution for my case was exactly what I was looking for. George went above and beyond to help me understand my options and pick the right one. I highly recommend contacting George and Louisa for all your mortgage deals.They genuinely look out for your best interest. I am so grateful. Amazing experience!				
Hulya Kadan
05/06/2025
					Both George and Louisa have vey helpful. They were prompt, precise and very open when they explained the alternatives. It was a pleasure to work with them.				
ozgur akin
29/05/2025
					I have to say I was delighted with the service I received from Raj and the team at Freelancer Financials. I was in an extra difficult position having just come off a contract and gone onto a perm role, and so falling neatly into neither set category, and he still got me a decent mortgage. Also great communication all the way along. Thanks Raj!				
Catherine Baker
20/05/2025
					George and Louisa were absolutely outstanding in helping secure a mortgage for a complex, specialist case. Their communication was second to none – always clear, prompt, and incredibly supportive throughout the entire process.What really stood out was their proactivity. They were always one step ahead, identifying potential issues early and working tirelessly to keep things moving smoothly.Thanks to their expertise, professionalism, and dedication, what could have been a stressful experience was made straightforward and stress-free. I am so grateful for their help and wouldn’t hesitate to recommend them to anyone in need of a top-tier mortgage broker.				
Katie Tattersall
20/05/2025
					This is our third time using the services of Andrew Saunders and he has provided professional and seamless advice and support that we are extremely grateful for. In the past we have found mortgage applications to be both time consuming and stressful but Andrew ensures that advice is easy to follow and the process pain free. Thank you.				
Hannah Sparks
16/05/2025
					I've been working with Andrew at Freelancer Financials for over 10 years now, and every experience has been absolutely fantastic. From start to finish, Andrew has consistently provided expert guidance, clear communication, and a genuinely supportive approach throughout each mortgage process. His deep understanding of the market, especially for freelancers—has made what can often be a stressful time feel seamless and manageable. I wouldn’t go anywhere else and can’t recommend him and the team highly enough. Thank you for all your help over the years!				
Natasha Tobin
06/05/2025
					Andrew Saunders helped me with my first mortgage application when I was contracting and really struggling to find an offer elsewhere. The experience with FF was so great and Andrew and Leanie were so fantastic that I’ve continued to remortgage with them ever since, despite no longer being a contractor! Always top star service, and I know I’m getting the best rates possible with them so it’s one less thinf for me to worry about when remortgaging time comes around!				
Lyndsey Cargill
03/05/2025
					Great service from George and Louisa in brokering a mortgage for me. Very knowledgeable, good communication, highly recommended.				
Stuart Hepburn
29/04/2025