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.
I have worked with Neetesh and Natalie for just over three years across multiple mortgages, and they are by far the most trusted brokers I have come across. Over the past decade I have worked with several brokers, but no one comes close to the level of service, strategic advice, and genuine thoughtfulness that Neetesh and Natalie bring.I have called Neetesh for advice on a wide range of situations — from purchasing different investment properties and exploring loan options, to financing renovations for our own home. He has always been incredibly responsive, welcoming, and easy to work with. No matter how straightforward or complex the situation, he takes the time to think through the options and provide clear, practical guidance.They are particularly skilled at working with freelancers and business owners, and have a strong understanding of how to navigate more complex income structures. On several occasions they have helped secure mortgages even when things looked challenging.I would not imagine working with anyone else. I have already recommended Neetesh and Natalie to friends and family and will absolutely continue to do so. I highly recommend them to anyone looking for knowledgeable, reliable, and genuinely supportive mortgage brokers.
Ashrita Kumar-Brown
08/03/2026
Raj is an outstanding broker for Freelancers, extremely knowledgeable, responsive and empathetic. Could not recommend him enough. I really felt he had our best interests at heart and he got us our mortgage really fast when other brokers said the freelance history made it too difficult.
Catherine Maguire
06/03/2026
I have used the services of Freelancer Financials from last 5 years and so far have done 3 mortgages with them. Roger Hogg has "always" provided me the best solutions every single time and I can't recommend him and Deepa Pareek highly enough. They are one of the best teams around and I can't wait for getting my 4th Mortgage done through them next year. Thank you Roger and Deepa for the excellent work to date!!
harsh madaan
05/03/2026
We can’t thank Ramji enough for all his help securing our mortgage!From start to finish, he was supportive, responsive, and genuinely cared about getting us the best outcome.He made everything easy to understand and kept us informed the whole way through. If you’re looking for someone who goes above and beyond, Ramji is your guy.Highly recommend!
nimesh mepani
04/03/2026
Absolute dream dealing with Natalie & Natasha. Soooo helpful, friendly and always willing to go the extra mile. Thanks so much both and would recommend you to everyone I know!
Vikki Springett
04/03/2026
I have been a client for the past few years and come to know Ryan and Katherine through recommendation. I have had the pleasure of dealing with them for a recent mortgage application, as always everything was handled with great care and attention to detail.For me, communication is very important, particularly updates during the process and this is something both Ryan and Katherine do really well, so organised, ensuring a complete peace of mind from start to finish.I am really thankful for the assistance to date, it is very much appreciated and for sure, my first call for anything mortgage related.
Zain Rehman
04/03/2026
We had a unique and challenging situation when trying to secure a mortgage to buy our first home but our experience with Archie Hogg at Freelancer Financials was second to none. His dedication, patience and personal approach alleviated so much stress and encouraged us to persevere in our goal. We've just recently bought our house now and honestly couldn't have done it without Archie's support and expertise. Thank you!
SKB
27/02/2026
Very efficient and professional service. I return to Ramji every time I have a renewal or new requirement and he is always very helpful. Definitely recommend.
captainjoejoe
25/02/2026
We've been using Andrew for almost 10 years now. We always rely on his services when remortgagingWe couldn't recommend him more.
