Freelancer Financials offers tailored mortgage solutions for all contract workers planning to move home. We can secure the best contractor mortgage available to you as a home-mover, based on your contract rate alone. We streamline the mortgage process for you, making the most of your gross annualised contract income to enhance affordability.
Contractors often face unique obstacles when moving home, particularly with traditional high-street lenders. Standard lending criteria can undervalue your earning potential by focusing too much on accounts, payslips, or SA302s.
This can lead to rejected applications and missed opportunities. At Freelancer Financials, we specialise in contractor mortgages, ensuring your income is assessed fairly, whether you work under an umbrella company, limited company, or any other self-employment structure.
Try our range of online mortgage tools for your new home purchase
Mortgage repayment history alone may not be enough
Moving home is a big step. You’ve not only got to worry about furnishing your new home, you have to defurnish your current home.
The last thing you need is to have to worry about a new mortgage, too. And, if you didn’t use a specialist broker before, you know the hoops you had to jump through, then.
You may think that your mortgage payment history will be enough to get a good homemover mortgage this time. But you’re faced with the same problem: relying on an adviser to understand contract income. Through us, you can be sure you’ll get a specialist underwriter who understands contracting as well as we do.
A mortgage broker that gets you
You deserve a broker who understands your unique needs. We don’t only understand contractors. We’ve helped lenders develop contractor-friendly lending criteria, too.
Together with our hand-picked lenders, we can make your homeownership dreams a reality. No matter how you’re paid, we’ll ensure lenders see what you can truly afford with your income.
When you work with us, you’ll enjoy a simple process tailored to your circumstances. Our support will help you bypass lenders’ gatekeepers, giving you access to specialist underwriters. This can make all the difference in your search for your dream home.
Why Freelancer Financials?
Comprehensive mortgage options
Fixed-rate, tracker, interest-only, and flexible offset mortgages.
Access to senior underwriters
Experts who understand contractor income structures.
Generous borrowing limits
Up to 5x your gross annualised earnings.
Minimal documentation
Typically, you only need your contract, proof of ID, and bank statements if needed.
How much can I borrow as a contractor home mover?
Your stress-free home-moving partner
We’re committed to ensuring your home-moving journey is stress-free by providing:
Step-by-step guidance
From your first consultation to mortgage completion, we’ll be with you every step of the way.
Tailored affordability advice
Maximise your borrowing potential while safeguarding your credit score.
Award-winning expertise
Trusted by contractors and recognised as a leading specialist mortgage broker.
Streamlined efficiency
Timely mortgage approvals, even in the most complex property chains.
Compare the best mortgage deals for contractor home movers
Stamp Duty Land Tax (SDLT) calculator
Stamp Duty is an unavoidable tax when buying a home, yet many overlook it until the last minute.
The amount you owe depends on various price bands, with each portion of your total calculated accordingly.
To simplify this, just enter the purchase price into our Stamp Duty calculator, then hit Calculate to see your SDLT bill instantly.
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!!
