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.
Thank you to Natalie and Natasha for such amazing service. The process was much quicker and smoother than I had imagined, with really helpful advice and a great result. Could not recommend highly enough.
JamesB
19/09/2025
Andrew Saunders is one of a kind, his professionalism is unmatched. He is one step ahead and I have had no issues in the 10 /11 years we have been in contact. If there is anything I am unsure of Andrew is my only go to person, I don’t trust anyone else.
heena GULL
17/09/2025
Second time I’ve worked with Andrew Saunders. Once again he very patiently worked through the options with me and guided me towards the correct mortgage decision based on my circumstances. 5 stars (again)
Alan McPherson
15/09/2025
After facing challenges with mortgage requirements as a contractor, Andrew Saunders made what seemed impossible straightforward. He understood the unique documentation hurdles I faced and matched me with a reputable household-name lender. What really stood out was how approachable he was - Andrew always had time for a chat, kept things light with a good sense of humour, and made the whole process feel much less stressful. Very friendly, professional, efficient, and delivered exactly what he promised. Couldn't be happier with the service.
John Favell
15/09/2025
Great service and advice always!
Sacha Fonseca
11/09/2025
Great service from Natasha and Natalie, they were very friendly, quick and clearly expert in dealing with unusual cases such as mine (a university researcher with a fixed-term contract and employment gaps).
Richard Somervail
10/09/2025
Excellent service again from Andrew Saunders and Leanie Freed. This is my 3rd mortgage renewal via Freelancer Financials. Once again, Andrew’s extensive knowledge of the mortgage market, meant that he knew exactly where to find the best deal. Andrew and Leanie make the process so much easier. Highly recommended. Thank you !
Deri Jones
02/09/2025
Outstanding Mortgage Broker Service – Highly Recommend Andrew & Leenie! We couldn’t be happier with the service we received from Andrew & Leeni! From start to finish, they made the entire mortgage process smooth, stress-free, and incredibly efficient. Their knowledge of the market, attention to detail, and constant communication made us feel confident every step of the way. They took the time to understand our needs, explained all our options clearly, and secured us an excellent deal. What really stood out was their genuine care and commitment – we never felt like just another client. Whether you're a first-time buyer or looking to refinance, we wholeheartedly recommend Andrew & Leeni. Professional, trustworthy, and a pleasure to work with – thank you both for making our homeownership journey such a success!
Can Osman
20/08/2025
We honestly couldn’t recommend Archie Hogg at Freelancer Financials enough! From day one, he went above and beyond, guiding us through what turned out to be a really challenging mortgage process. When things felt impossible, Archie’s knowledge, patience, and determination gave us the reassurance to keep going. Freelancer Financials were also the only brokers who could properly deal with my partner’s self-employed status, which was a big part of the challenge. Archie handled every hurdle with professionalism and genuine care. He never left us in the dark and always took the time to explain things clearly. It always felt like he truly cared about getting us over the finish line. Thanks to him, we not only got our mortgage approved, but at a better rate than we’d expected. We honestly wouldn’t have managed this without him. We’ll be using Archie and Freelancer Financials for all of our future mortgage and housing needs without question. I can’t sing Archie’s praises enough — 10/10, highly recommended!
