Mortgages and protection cover for cbw readers from Freelancer Financials

Most lenders — or even ‘vanilla’ mortgage brokers — will try to process you in one of two ways:

1. Self-employed, if your payment structure uses accounts
2. PAYE, if you receive payslips (agency, umbrella, etc.)

Neither method is conducive to getting a relevant or competitive mortgage offer for contractors. Most in-branch advisers or call centre agents don’t understand contract pay. But they won’t tell you that to your face.

This is how Freelancer Financials are different. We understand how contract income is made up and processed. The specialist underwriters we deal with direct know it, too. Because of that, we know how to present your income in its best light to lenders. And that’s how you get an unbeatable mortgage offer using our service.

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.