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, youāll 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
Weāre committed to ensuring your home-moving journey is stress-free by providing:
Step-by-step guidance
From your first consultation to mortgage completion, weāll 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 used Ramji to sort out my mortgage for me he went out of his way to find the best mortgage deal for me. I highly recommend him. Thank You šš¼
Ali Ghotbi
08/05/2026
I've worked with Ryan and team for many years now, over many mortgage applications and renewals. I am a UK contractor which makes things more challenging. They are efficient, great on communication, present the options clearly, and are very effective. Highly recommend.
Malcolm
07/05/2026
Archie made the impossible possible.As someone new to contracting, I honestly didnāt think getting a mortgage would be achievable, but Archie was incredible from start to finish. He was patient, reassuring, and nothing ever felt like too much trouble.The service was absolutely outstanding all round, and Iām so grateful to have found Freelancer Financials. Archie is genuinely a miracle worker and I couldnāt recommend him highly enough.
Lew Cro
05/05/2026
Iāve worked with Andrew at Freelancer Financials for the past seven years, across several properties and multiple mortgage renewals - I canāt recommend them highly enough.Every engagement over the years has been seamless, quick, transparent, and genuinely tailored to what we need. Andrew consistently takes the time to understand our priorities, current circumstances, and longer-term plans. Whether t's an actual house move or broader financial considerations, he's deft at bringing a context-driven approach that means weāre not just getting access to decent mortgages, but access to the ones that actually make the most sense for our specific situation, which is absolutely invaluable.I've found that there's a balance of professionalism and personal care with FF that adopts a practical approach to what matters, which is "affordability and best practice" combined with practical, honest guidance in an area that's tremendously difficut to navigate...having their support over the years has been invaluable to me and my family.I wouldnāt hesitate for a second to recommend Andrew and the team to anyone that needs mortgage support that has their clients' best interests at the heart of what they do.
Oscar Glennon
30/04/2026
Andrew provided a first class service as always. Please to deal with and the team there made it seamless.would recommend them to anyone.
Rob Hughes
20/04/2026
Archie Hogg is an a great advisor he guides ypu through the process very smoothly with an attention to detail which ensures you dont have to many delays.
colin heath
20/04/2026
Writing this review far too late but better late than never. We're so lucky to have chosen George as our mortgage broker who treated us with the most sincere care and attention while navigating what was a very complex case that other brokers said had no chance. He picked up our phone calls at random points of the day and always offered very patient explanations, and ultimately he let us get the mortgage that we needed despite all the difficulty. Even after completion George has always been open to answering our questions and has been the nicest person to speak to. We absolutely would recommend George both for freelancers specifically and just general mortgage seekers as I don't think you'll find anyone providing the level of service he did for us.
YJ
20/04/2026
Great service from start to finish. Everything was explained clearly and resolved incredibly quickly. Ramji was professional throughout, highly recommended.
rob joyce
20/04/2026
We have worked with Ryan for over 10 years - for both personal and multiple BTL mortgages his customer service and expertise is exceptional and we would highly recommend him. He always goes above and beyond. Many thanks.
