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.
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!!
Maurice Tasker
25/11/2025
On the basis of my experience with Archie and Deepa, I can whole-heartedly say that I feel the service from Freelancer Financials has been worth every penny. Archie offered thoughtful advice on things I might not otherwise have considered, and was always proactive and ready to go the extra mile. And, when it became clear that there was a time pressure, he and Deepa acted quickly and effectively on my behalf. Both Archie and Deepa were transparent about activities, and provided clear and friendly communication at all times. This was all very reassuring for what can be a somewhat anxiety-inducing process. Also, the portal that Freelancer Financials provide to keep sensitive documents secure is easy to use and, again, reassuring. Thanks Archie and Deepa, keep up the great work!
Eric Weston
23/11/2025
Honestly, Freelancer Financials are an absolute God send (and I'm an atheist!). The number of ridiculous hoops that the mortgage lender required us to jump through in order to secure our mortgage extension was crazy - and they employed the most incompetent surveyors on the planet to value the property (yes, Countrywide, I'm talking about you!). Natasha and Natalie at FF navigated the whole thing like the seasoned pro's they are. When the surveyors reported back that our flat was "unrentable" because the prior tenants had left it in a mess, Natasha got on the case, raised an objection, and got the whole thing back on track. Through their efforts, we've secured the extra funding at a fair rate, the flat is now in the process of being renovated, and will be renting it out at a fair (and higher) value next month. Thank you guys - you are saints!
Andrew Nicholson
15/11/2025
Excellent and swift service from Andrew and Leanie. The company understands perfectly the needs of the client and they have ensured on multiple occasions that I have got the best deals on the market. Highly recommended.
Kavi Dhana
07/11/2025
Our Mortgage broker was Natasha Saunders and I would 100% recommend her and freelancer financials. Natasha was extremely professional, knowledgeable and helpful and I have nothing but good things to say about her. She was extremely patient with us, ready to answer any questions at any time of day no matter what. She truly treated us as if we were her only customers and truly provided a personalised service with care for customer service as well as her job. She and freelancer financials truly ensured we had the smoothest experience and we will be recommending them to anyone who asks.
Cindy Krasniqi
06/11/2025
We finally completed today and honestly, we couldn’t have done it without Archie. It’s been such a stressful few months but he was always there to guide us, explain everything, and calm us down when things got tricky. He went above and beyond to help us and was always just a message away. We’re so grateful for all his help and support — can’t recommend him enough!
Silvia Lamela
05/11/2025
Andrew was recommended to us by friends, and he has been invaluable in helping us with our mortgage needs. He’s extremely personable and patient, always taking the time to ensure none of our questions went unanswered. The level of detail and care he showed in understanding and addressing the specifics of our situation was truly impressive, and we feel very fortunate to have worked with him. I can wholeheartedly recommend Andrew and the excellent team supporting him.
