Mortgages and protection cover for cbw readers from Freelancer Financials
Affordability based on your gross contract day rate
Multi-award-winning contractor specialist broker
100% independent brokerage, so no lender is off-limits
All types of residential and buy-to-let mortgages arranged
Umbrella, limited company contractors & directors welcome
Full range of protection products to protect your income, your home and your family
Affordability based on your gross contract day rate
Multi-award-winning contractor specialist broker
100% independent brokerage, so no lender is off-limits
All types of residential and buy-to-let mortgages arranged
Umbrella, limited company contractors & directors welcome
Full range of protection products to protect your income, your home and your family
We're on your side
Most lenders — or even ‘vanilla’ mortgage brokers — will try to process you in one of two ways:
Self-employed, if your payment structure uses accounts
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.
Freelancer Financials give your contractor mortgage application its very best chance of success. This gets you the most competitive deal, relative to your income and status.
How? By bypassing lender call centres and their in-branch advisers not trained in specialist income.
Instead, we go directly to specialist underwriting teams. Like us, their dedicated experts understand contractor and umbrella income completely. So there’s no need for:
Payslips
SA302’s
Accounts
They just use common sense underwriting, which maximises a contractors borrowing potential.
How much can I borrow?
A proven track record since 2004
Founded in 2004, Freelancer Financials has been at the forefront of transforming the mortgage landscape for contractors. As contractor mortgage pioneers, we’ve played a key role in educating lenders, enhancing assessment criteria, and securing thousands of mortgages for contractors nationwide.
With more than two decades of expertise, we’re the safe and trusted pair of hands you need to navigate the complexities of contractor mortgages.
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.
Fantastic service from Natasha Saunders. Can't praise her enough for the job she does. Whenever our mortgage is due for renewal, she gets in touch and sorts everything out well in advance to get us the best rate. Impeccable experience as always. Thank you Natasha!
Steve Eager
12/07/2025
After a terrible experience with another broker, which was putting the purchase of my property at risk, a friend recommended contacting Freelancer Financials. My only regret was that I hadn't contacted them much sooner! George was absolutely superb and I felt immediately reassured. His expert guidance, understanding, professionalism and communication exceeded my expectations. Within a matter of days - after a delay of some 7 weeks and a lot of stress with the previous broker - I was in receipt of a great mortgage offer. The whole process was seamless and simple. Dealing with George directly, rather than a series of people in a call centre, made such a difference. I can honestly say, this is one of the best examples of customer experience I've ever had and I wouldn't hesitate to recommend Freelancer Financials to anybody.
Katherine Lakeland
06/07/2025
Natasha and team were phenomenal with their proactiveness , communication and helping to answer all the queries/options with utmost patience. They take utmost care from start of the application till the completion by ensuring everything go smooth and always send us reminders on the renewal options well in advance. We have been with them for last 9+ years and always the first choice for any mortgage applications and had referred many of the friends and they were pretty happy as well. I would definitely recommend them !!!! Thank you Natasha and Freelance Financial team for your overwhelming support ..
Venkat Surisetti
04/07/2025
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
Highly recommend! Andrew and Leanie are excellent. The process is simple and results are great. I wasnt sure how it would go being self employed and contracting but my expectations were exceeded!
Sinéad Watt
07/06/2025
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.
