Contractor Mortgages

Affordability based on gross contract day rate
Independent brokerage: no lender is off-limits
Multi-award-winning contractor specialist broker
All types of residential and buy-to-let mortgages
Umbrella or limited company contractors & directors welcome

Mortgages for Caroola Accountancy clients

Most High Street mortgage lenders have neither the capacity nor means to deal with contractors 'in branch'. Yet, nearly all lenders have bespoke contractor mortgage underwriting criteria. So, where is the huge disconnect?

At branch- or call centre level, most mortgage advisors offer only two styles of underwriting: employed and self-employed. As far as this style of underwriting goes, a professional contractor is both and neither.

The result? Contractors either get a low or no mortgage offer, despite their comparatively high income. After years of building relationships with senior underwriting teams, we’re now able to circumnavigate these traditional ‘gatekeepers’.

We go direct to specialist underwriting teams. Like us, their dedicated experts get contract income and tax efficiency. No need for accounts, payslips or SA302s. Just common-sense ‘contract-based’ underwriting that maximises contractors’ gross day rate potential.

Contractor mortgage calculator: how much can I borrow?

Whether you’re a contractor, an umbrella employee, or applying jointly with a PAYE partner, our calculator gives you an instant estimate tailored to your income. No payslips. No lengthy assessments. Just clarity.

What makes us different?

We don’t believe in one-size-fits-all solutions. With over two decades of experience working with contractors, we understand the unique challenges. From contract terms to limited company structures, we tailor every policy to you.

Rated 5 out of 5 stars based on 900+ Google and Facebook customer reviews

Go to Google reviews

 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