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 been using Freelancer financials for a number of years. Andrew Saunders (my mortgage advisor) is absolutely excellent. He's always been able to find very competitive deals, explains everything clearly, and along with his team gives a top class service. I couldn't recommend him more highly.
Luc Hardy
31/07/2025
I recently completed a remortgage and Raj was absolutely brilliant throughout the process. He throughly presented all my options to ensure I get the right deal. We experienced some challenges but with his experience, thankfully we overcame them. He kept me updated throughout the process and I am really pleased with the outcome. Thanks Raj!
Kamran Zaidi
28/07/2025
Andrew Saunders is fantastically efficient and clear with information he provides, even in tighter time frames. Thank you!
jaspreet bhaura
24/07/2025
After struggling with another broker I reached out to Archie Hogg, called him around 9.30am and by midday he had found a lender and a few days later he had a mortgage offer for me. Couldn't recommend more, especially for Sole Traders and so happy with the super quick turnaround and service he produced whilst being very clear about everything. Thanks Archie!
Jason Pooley
24/07/2025
I can’t recommend George enough! He was incredibly helpful and supportive throughout the entire mortgage process. From start to finish, he made everything clear, answered all my questions (no matter how small), and truly went above and beyond to make sure things ran smoothly. His knowledge, patience, and professionalism made what could have been a stressful experience feel completely manageable. Thank you, George – top-notch service!
Asim
21/07/2025
Fantastic service from Natasha Saunders. Can't praise her enough for the job she does. Whenever our mortgage is due for renewal, she gets in touch and sorts everything out well in advance to get us the best rate. Impeccable experience as always. Thank you Natasha!
Steve Eager
12/07/2025
After a terrible experience with another broker, which was putting the purchase of my property at risk, a friend recommended contacting Freelancer Financials. My only regret was that I hadn't contacted them much sooner! George was absolutely superb and I felt immediately reassured. His expert guidance, understanding, professionalism and communication exceeded my expectations. Within a matter of days - after a delay of some 7 weeks and a lot of stress with the previous broker - I was in receipt of a great mortgage offer. The whole process was seamless and simple. Dealing with George directly, rather than a series of people in a call centre, made such a difference. I can honestly say, this is one of the best examples of customer experience I've ever had and I wouldn't hesitate to recommend Freelancer Financials to anybody.
Katherine Lakeland
06/07/2025
Natasha and team were phenomenal with their proactiveness , communication and helping to answer all the queries/options with utmost patience. They take utmost care from start of the application till the completion by ensuring everything go smooth and always send us reminders on the renewal options well in advance. We have been with them for last 9+ years and always the first choice for any mortgage applications and had referred many of the friends and they were pretty happy as well. I would definitely recommend them !!!! Thank you Natasha and Freelance Financial team for your overwhelming support ..
Venkat Surisetti
04/07/2025
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.
