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.
A VERY STRONG RECOMMENDAndrew Saunders is a very courteous & knowledgeable professional. An ideal point of contact for the self-employed looking to navigate the fiscal myriad of mortgage options from vendors. A return visit for me & a second product via Andrew. I have recommended him to others who have also secured products & support.Be rest assured, you are in safe objective hands!
Robert Thorp
05/09/2026
Andrew Saunders helped me find a new BTL interest only mortgage for my property. He was very quick to provide detailed options available on the market and within a few emails exchanges, he had secured a new BTL mortgage for my property. Very much appreciated and certainly recommend Andrew!
Baljeet Kaur
04/09/2026
Five stars is simply not enough for Archie! Before finding him, I spoke to three different mortgage brokers who all turned us away. They insisted we wouldn’t be able to get a mortgage because my wife's visa was ending soon, she didn't have 12 months of payslips, and she was on a fixed-term contract with only 4 months left.Where other brokers saw impossible roadblocks, Archie saw solutions. He took the time to understand our exact situation, navigated every detail expertly, and fought to get our mortgage application approved and fully offered.I am truly and deeply grateful for Archie's incredible effort, constant support, and dedication throughout this process. If you want a broker who actually cares and knows how to get results when others give up, speak to Archie. Highly, highly recommended!
Zeeshan
26/08/2026
We're a difficult case - due to contractor income. Raj has made it all very easy for us a few times now - excellent!
Ben Fletcher
26/08/2026
Exceptional service provided by Louisa and George with my most recent remortgage (and previous mortgages). George and the team are highly knowledgeable within the mortgage market and are well connected with lenders to provide the most competitive rates. Thank you Freelancer Financials.
Imran Uddin
24/08/2026
If you need a mortgage, go nowhere else other than George.I have known George and his Dad for a while now as we did some work together a few years ago, which is why I was a little hesitant to write this review, as I didn’t want to appear biased, but after the job he has done it felt unfair not to.I was employed for a number of years before going self employed recently. As such I didn’t have the required 24 months worth of filing to be able to get a mortgage so the plan was to do it solely in my wife’s name. However there were a few problems with the lender wanting me on the mortgage if I lived at the property so on I went.George then had to work miracles to get a whole host of exceptions made on my company structure, length of trading, source of dividends and a few other bits which in reality I never thought he would manage.His honesty, attention to detail and unwillingness to know when to stop fighting for his clients is remarkable and it’s my belief if we would have had anyone else dealing with our application we wouldn’t have got over one of the seven or eight hurdles George managed to navigate, let alone all of them!He is a credit to the business, but also the industry that sometimes gets a bit of an unfair hammering, and I have already recommended him to someone else about to remortgage and wouldn’t hesitate to recommend him to others. I will 100% going with him when I am due to remortgage!
Stuart Latchford
21/08/2026
I cannot recommend Freelancer Financials, and in particular George enough!We found our perfect house after one viewing, but that was the only part of the journey that was smooth.There were issues with developers, employment history’s, changes in employment, temporary secondments where additional income couldn’t be included and changes in ownership structures for my husband who is self employed, as had only been for 12 months, another issue, but George went to battle for us.He managed to argue our case on several separate occasions, he communicated wonderfully, he never over promised, but always over delivered! I can say with all certainty, if we had had any other mortgage broker we would not have a mortgage and would not have managed to complete on our home. We owe him a huge amount and will be forever grateful for all his hard work!Although it was painful at times, not at all because of George, we already know when our fixed term is up we won’t be going anywhere other the George to help us through this process again.
Loretta Barnet
21/08/2026
I simply cannot express how amazing George has been through this process. What an absolute pleasure he was to deal with. Mortgage secured, no hassle, didn't have to sit through hours of calls. Simply excellent. Highly recommend 👌.
Tracy Lewis
21/08/2026
I have had an excellent experience with Raj and would highly recommend him to anyone looking for a reliable and professional mortgage broker.I have been working with Raj for the past six years, and this is now the third time he has helped me secure a great mortgage deal. Every time, he has been professional, supportive and genuinely committed to finding the best option for my circumstances.Raj always takes the time to understand my requirements and provides a range of the best options available in the market. He also explains the pros and cons of each option and gives clear, honest advice on which one would be most suitable based on the current market conditions.He is always available whenever I have questions, keeps me informed throughout the process, and consistently goes above and beyond to make everything as smooth and straightforward as possible.I really appreciate his continued support and would not hesitate to recommend him to anyone looking for a knowledgeable, trustworthy and responsive mortgage broker.Highly recommended!
