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 advisor 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.
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
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.
Katie Tattersall
20/05/2025
This is our third time using the services of Andrew Saunders and he has provided professional and seamless advice and support that we are extremely grateful for. In the past we have found mortgage applications to be both time consuming and stressful but Andrew ensures that advice is easy to follow and the process pain free. Thank you.
Hannah Sparks
16/05/2025
I've been working with Andrew at Freelancer Financials for over 10 years now, and every experience has been absolutely fantastic. From start to finish, Andrew has consistently provided expert guidance, clear communication, and a genuinely supportive approach throughout each mortgage process. His deep understanding of the market, especially for freelancers—has made what can often be a stressful time feel seamless and manageable. I wouldn’t go anywhere else and can’t recommend him and the team highly enough. Thank you for all your help over the years!
Natasha Tobin
06/05/2025
Andrew Saunders helped me with my first mortgage application when I was contracting and really struggling to find an offer elsewhere. The experience with FF was so great and Andrew and Leanie were so fantastic that I’ve continued to remortgage with them ever since, despite no longer being a contractor! Always top star service, and I know I’m getting the best rates possible with them so it’s one less thinf for me to worry about when remortgaging time comes around!
Lyndsey Cargill
03/05/2025
Great service from George and Louisa in brokering a mortgage for me. Very knowledgeable, good communication, highly recommended.
