Remortgages for contractors
Refinance your mortgage with a deal tailored to your contract rate. Whether reducing payments, consolidating debts, or unlocking funds, our process is straightforward and stress-free. Don’t wait to fall onto your lender’s punishing variable rate. Lock in a better rate today.
Why remortgage?
Remortgaging can slash your monthly payments, fund home upgrades, or consolidate debts. Plus, avoid your lender’s SVR when your introductory term wraps up.
With contractor-friendly lenders, your contract rate boosts affordability and maximises your borrowing power. Our rate monitoring service also guarantees you secure the best deal out there.
A contractor earning £400/day could borrow:
- £400 × 5 (days) × 46 (weeks) × 5 = £460,000
Whether your goal is saving money, funding renovations, or consolidating debts, we’re happy to help.
Is it time to remortgage?
Many contractors will be itching to ditch the sky-high interest rates that followed the Sept. 2022 mini-budget. If your fixed rate is ending soon, now’s the time to swap.
Whatever you do, don’t slip on to your lender’s punitive SVR. It’s time to lock in a better deal.
Remortgaging can help lower your monthly repayments with a new, more competitive rate. Or, if you have equity to play with, you can consolidate your debts for one easy bill.
Want to fund that extension or loft conversion? Remortgaging could make it happen. It’s time to make your mortgage work for you!
Remortgages for contractors from Freelancer Financials
Don’t get bogged down with paperwork or wait weeks for an appointment.
We help simplify the contractor remortgage process with:
Exclusive deals for contractors
Access exclusive deals from over 30 contractor-friendly lenders.
Generous borrowing potential
Borrow up to 5 times your annualised contract earnings.
Streamlined application process
No accounts or tax returns required, just your current contract as proof of income.
Minimal paperwork
You only need: an up-to-date CV, a copy of your contract, 3 months' bank statements, and ID.
Fast approval
Get same-day Decision in Principle approvals.
Additional special offers
Enjoy special offers, including free legal services and valuations.
Search the best remortgage deals for contractors
Why choose us ?
We specialise in contractor remortgages, offering competitive deals from over 30 lenders.
Don't wait for your lender's punitive variable rate. Lock in your next mortgage today »
Expert negotiation for competitive rates
Smart remortgage timing
Independent, unbiased advice
Efficient and stress-free process
How much can I borrow?
Protect your mortgage payments from skyrocketing with our win-win Rate Monitoring Service
- Lock in your new rate up to 6 months in advance
- If that rate goes up, you pay the ‘locked-in’ rate already in hand
- If that rate goes down, we move you onto the best remortgage deal on the market
- A Base-Rate tracker mortgage may be an option in some circumstances
Why choose our Rate Monitoring Service?
Fluctuating interest rates can hit hard if you’re unprepared. With our Rate Monitoring Service, we’ll:
- Lock in to the lowest rate early – this secures you the best deal up to six months in advance
- Monitor and adjust – so if rates drop, we can switch you to the new lower rate
- Help you avoid unwelcome surprises – protecting you from falling onto an expensive Standard Variable Rate
- Advise you of alternatives – for example, if a tracker mortgage works for you in the short term
How our Rate Monitoring Service works
Start today by completing our initial form - we move fast to lock in the best rate available to you
We secure a product transfer with your current lender or switch to a remortgage with a new lender for you at the most attractive rate on offer now. This can be done up to six months ahead of your current deal ending.
We monitor mortgage rates across the market for up to 6 months on your behalf
If rates goes up in the period before your existing deal ends, you'll stay on the same deal we ringfenced for you at the beginning of the process - meaning you win.
If rates drop - we move you to a better deal anytime up to 2 weeks before the deadline
Our service ensures you benefit from any reductions during your rate-lock window - meaning you win either way, whether mortgage rates go up or down in the window before your current deal expires.
Register for our Rate Monitoring Service or arrange a call back
Keep your mortgage costs in check
At Freelancer Financials, our free rate monitoring service is designed to protect contractors from fluctuating mortgage rates. Whether you’re nearing the end of your current deal or planning ahead, we’ll ensure you always secure the best possible rate.
Get expert, unbiased advice
Got questions or need assistance? We’re here to help. Whether you’re looking for mortgage advice, have specific queries, or just want to discuss your options, our expert team is ready to assist you. Reach out using the form here, and we’ll get back to you as soon as possible. Let’s connect and start making your remortgage goals a reality.
Alternatively, to speak to an advisor today, please call us on 020 8421 7999
Second charge mortgages
Need to unlock equity without changing your existing mortgage? We also offer second-charge mortgage options.
Second-charge mortgages, or ‘secured’ loans, provide a flexible way to fund major expenses. This could include home improvements, consolidating debts, financing a major life event, or purchasing additional properties.
Contact our team to learn how we can support your goals.
Quick links
Contractor-friendly mortgage lenders
Contractor mortgage calculators
Your protection insurance options
What makes Freelancer Financials different?
Ready to secure your remortgage?
Contact our friendly team today to explore remortgage options tailored to your contract rate.
We can guide you through a fast, stress-free process to secure the remortgage deal you deserve.
