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.
Highly recommend Mr Ramji, he is very professional, responsive and communicates really well. The process was stress-free from start to finish. Thank you!
Pritesh Bhanderi
14/01/2026
I needed to get a mortgage, but my situation wasn’t straightforward. I had been receiving a salary from my company for about seven years, but I didn’t have a formal contract in place. When I decided to apply for a mortgage, I arranged a proper contract with a strong day rate and needed a lender who would assess me on that basis. Before contacting Freelancer Financials, I tried another broker, but they were unable to secure anything for me. When I reached out to Freelancer Financials, the difference was immediate. They understood my situation straight away and explained that there were options available. They knew exactly how to position my income and circumstances in a way that fairly reflected my ability to afford and sustain a mortgage. The process was very smooth and professional. I was given access to an easy-to-use portal where I could upload all my documents. They provided a clear list of what was needed, and although it took me about half a day to gather and upload everything, once I had done my part they moved incredibly fast. They contacted lenders right away, and within a week my mortgage was provisionally approved — and fully approved the very next day. Raj looked after me throughout the process, and he was excellent. His communication was fast, clear, and reassuring, and I always felt like I was in capable hands. I would absolutely recommend Freelancer Financials, and especially Raj, to anyone who is a contractor, freelancer, or business owner and needs a mortgage. They really understand non-standard income and know how to make it work.
Tetiana Dushenkivska
24/12/2025
Andrew Saunders really knows his stuff and found us a fantastic mortgage product. He explained everything fully and then guided us through the whole process and even now, 6 years on from taking on the mortgage he recommended, he always advises us of the best deals going forward.
David Yarker
16/12/2025
Natasha & Natalie have been fantastic! Natasha always helps with our mortgages, she is efficient, knowledgable and so easy to work with. Natalie is so efficient and welcoming also and they both work with you to create the best mortgage for your individual needs. Thanks both.
Jenna Leigh
10/12/2025
The service I have received from Andrew Saunders is excellent. He provides proactive and balanced advice, enabling me to make the right decisions. He is very timely in responding to questions/requests. With Andrew having advised me over a number of years, I intend to continue with his services for many years to come.
Peter Rousseau
09/12/2025
The service I have received from Andrew Saunders is excellent. He provides proactive and balanced advice, enabling me to make the right decisions. He is very timely in responding to questions/requests. With Andrew having advised me over a number of years, I intend to continue with his services for many years to come.
Peter Rousseau
09/12/2025
As first time buyers, navigating the whole process seemed ominous, but Archie helped make it as smooth as possible. He took time to explain all the details clearly, was prompt in replying to questions quickly and was always on hand for a phone call. He was enourmously patient and professional throughout, his knowledge and understanding helped secure us a deal that suited our needs perfectly. Couldnt recommend higher!
Hugo Carotenuto
08/12/2025
Updated 2025 review - Yet again Natasha & Natalie have sorted out my mortgage renewal. I started with them back in 2017 when I was a contractor but now I'm a full time employee. Another painless renewal. Highly recommend!
Trevor Hannah
07/12/2025
Natasha guided us through every step of the mortgage process as well as finding us a great rate for our first home. We were very grateful for her proactive communication, seeking the best rates for us right up to completion. Highly recommend!!
