Get the mortgage you deserve based on your day rate
Freelancer Financials is a 100% independent, FCA-accredited mortgage broker. Since 2004, we’ve specialised in mortgages for the flexible workforce.
This experience and autonomy grant us access to the entire UK mortgage market. Leverage our knowledge and heritage to find the best contractor mortgage tailored to you.
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 advisors or call centre agents don’t understand contract pay. But they won’t tell you that to your face.
This is how we’re 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.
The result? We give your contractor mortgage application its very best chance of success. This gets you the most competitive deal, relative to your income and status.
Contractors we help
The flexible labour workforce has expanded to include all manner of contractor types. No matter your industry or experience, we’re here to support all contractors, including:
Contractor mortgage pioneers
Since 2004, we’ve educated many lenders in the nuances of contracting. The result? Improved lender assessment criteria, securing mortgages for tens of thousands of UK contractors.
But we’re not resting on our laurels. The UK’s flexible labour workforce is ever-changing. The mortgage market itself is also anything but stable. The two combined continue to represent challenges we face head-on.
This year, we’ve challenged every single one of our thirty-plus contractor-friendly mortgage lenders. We’ve asked them exactly what they’re doing to help the many different types of UK contractor. The vast majority are leaping through hoops to help. Together, we represent the most diverse contractor mortgage market ever seen.
It’s now up to you to leverage our unprecedented access. Trust us to be your safe pair of hands when negotiating your next (or first) contractor mortgage deal.
How much can I borrow?
Mortgages tailored to every stage of the contractor journey
We specialise in providing contractor mortgages at every stage of a contractor's life. Our experienced team can help you take the first step onto the property ladder or expand your portfolio:
Ready to get in touch?
Still looking for more general mortgage advice? Do you have specific queries? Or do you just want to discuss your options?
Whatever your query, our expert team is ready to assist you. Honestly, no question is too insignificant or too daft. If it’s important to you, it’s important to us.
In our 20+ years sourcing contractor mortgages, we’ve heard it all. Chances are, we’ve had the same question a dozen times, so don’t be shy.
Take the first simple step here and now by filling out this form. We’ll assign you a permanent contact who’ll get back to you as soon as possible.
Why assign a permanent contact, even for the smallest query? Because building longstanding relationships is one of our core principles, built into our team.
Let’s connect and start making your homeownership goals a reality.
To speak to an advisor, please call us on 0208 421 7999
Uncovering every opportunity
As an independent broker, we don’t just skim the surface. We dive deep into the market, including those hidden gems you won’t find on your own.
But first, we’ll have a good chat with you to find out what you need. We then combine that with our expertise to hand-pick the best mortgages for your needs. The selection of mortgage offers we then show you will be the most competitive and relevant for you.
That’s why the initial consultation is so important. We don’t just want to sell you a mortgage and be done. We want to get you a mortgage that fits in with your lifestyle, your goals. Then, when you’re ready to remortgage or move, you’ll know that you can trust our service.
Bypassing the conventional lending model
Untrained staff in-branch or in call centres have a set view of mortgage funding. They know their own system and its affordability calculations. That tells them what to look for in an applicant. But anything beyond these basics, they struggle.
It’s not their fault. Contract income is specialised: it’s neither PAYE nor self-employed. The problem contractors face when approaching most lenders direct is twofold:
- in-branch or via a call centre, they reach these untrained advisors/agents by default;
- those advisors/agents try to make their contract income fit their PAYE or self-employed calculation.
So, what’s the answer?
Talk to the contractor mortgage experts
Freelancer Financials has over 20 years of experience in arranging mortgages for every kind of contractor. We are pioneers of contract-based underwriting, where mortgage affordability is based on your contract day rate alone.
We pride ourselves in offering the highest level of service to our clients to guide them through their mortgage journey, as we understand that securing the finance you need for the home of your dreams can be stressful.
Here’s how we make the process smoother:
Personalised advice
Specialist expertise
Collaboration with senior underwriters
Support throughout the process
Access to specialist underwriters
Our advisors take the time to understand you and how you earn your income. We can then present your mortgage application favourably by working directly with underwriters. These are, after all, the decision-makers at banks and building societies.
We’ve built relationships with specialist underwriting teams over many years. Having direct lines to them and knowing what they look for in advance makes all the difference.
Without this access, lenders’ affordability assessments rarely recognise contractors’ true borrowing potential. This is one of the key benefits of working with a specialist mortgage broker.
Plus, we’ve been doing this since 2004. As such, we’re one of the UK’s most awarded, experienced contractor mortgage brokers. We’ve worked hard for those accolades, the fruits of which you can reap through us.
