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 recently used Natasha Saunders and Natalie Jefferson to obtain my first mortgage. Due to the age of my husband and historical bad credit our options were limited, but Natasha and Natalie worked so hard to ensure they found something suitable and affordable for us.They are also both so friendly and approachable. Being a first time buyer I had a lot of questions and they were happy to answer them or point me in the direction of who could.I will be forever grateful to them.Thank you.
Penelope Cuviello
01/06/2026
George is brilliant! No question too small (or big), always quick to respond with sound advice and recommendations.
Sarah Swann
26/05/2026
I have used the services of Andrew & Leanie several times over the last few years - they are readily contactable, provide good options depending on my requirements, always take the time to discuss and explain details / respond to queries, and make everything as straight forward as possible.
Rob Langford
25/05/2026
Ryan has been incredibly supportive throughout a very complex mortgage situation involving an expat Buy-to-Let case. He took the time to explore every possible avenue, spoke directly with lenders and BDMs, and provided clear, honest and pragmatic advice throughout the process. What really stood out was his willingness to go above and beyond, including escalating the case internally and genuinely trying to find a fair solution rather than simply pushing products. Highly recommended for anyone needing a knowledgeable and trustworthy broker, especially for more complex cases.
Michele Riso
22/05/2026
Thank you. Incredible service from Andrew Saunders and Leanie Freed with getting my mortgage completed. They were truly incredible. They were quick, efficient and very professional. Thank you again.
Ranney
21/05/2026
I genuinely can’t recommend Freelancer Financials highly enough, and ESPECIALLY ARCHIE HOGG who has been absolutely outstanding from start to finish!!!!As two 21/22-year-old first-time buyers, we honestly expected the mortgage process to be stressful and difficult, especially as I’m a contractor working for a company abroad and didn’t yet have my first year’s accounts. We’d already been turned away or dismissed by multiple brokers who just weren’t willing to help. Archie was completely different.From the very first conversation, he was kind, patient, and genuinely took the time to understand our situation instead of brushing us off. He made everything feel so much less overwhelming and was always easy to talk to!He didn’t just find us a great rate, he went above and beyond in every possible way. He managed to liaise with Accord and somehow secured a rate that protected us before our original offer expired during a period when the market was changing rapidly. With everything going on at the time, including sudden rate increases, it felt like we were going to lose everything, but he kept it all together for us.On top of that, he somehow managed to improve the deal again and ended up saving us over £200 a month, which as first-time buyers is absolutely life-changing for us.We’re honestly still in disbelief at how much effort he put in for us. He didn’t treat us like “just another case”, he genuinely cared, and it shows in everything he did.We’ll forever be grateful to him. He’s not just the best mortgage broker/person we’ve dealt with, but he’s someone who truly changed the experience of buying our first home for the better.
Martyna Puzio
20/05/2026
I would like to express my sincere appreciation for the excellent service provided by George and Louisa throughout the entire process.From the beginning, both have been highly professional, responsive, and supportive, ensuring clear communication and a smooth experience at every stage. George in particular demonstrated outstanding dedication and professionalism, always going above and beyond to assist and guide us, which made the process much easier and stress-free for me and my family.We are extremely satisfied with the level of service received and truly grateful for the support provided. I would confidently recommend their services to others and will be leaving a positive review reflecting our experience.
maqbool ahmad
19/05/2026
Roger Hogg and Deepa Pareek were absolutely outstanding throughout my remortgage process. From start to finish, they were professional, knowledgeable, responsive, and incredibly supportive. What could have been a stressful experience felt smooth and straightforward thanks to their guidance and expertise.Roger took the time to explain every step clearly and made sure I understood all my options, while Deepa was exceptional at keeping everything moving efficiently and updating me regularly. Their communication was excellent, and nothing ever felt like too much trouble.I genuinely felt they had my best interests at heart and worked hard to secure the best possible outcome for me. Their attention to detail, patience, and dedication were second to none.I would highly recommend Roger and Deepa to anyone looking for expert mortgage or remortgage advice. A fantastic team who deliver first-class service.
Richard Robinson
19/05/2026
After struggling with finding a broker that could help, due to my agency/umbrella company payslips, I came across Freelancer Financials. We were at a point where we thought we may need to withdraw from the purchase as we thought we would never get a mortgage.Raj was understanding and had a good understanding of what I needed and was reassuring throughout. He understood the complexity and was always able to advise when needed. I have recommended Raj to my colleagues who are working via umbrella companies and agencies. We finally got our mortgage offer.Ps dont let him retire just yet! (maybe a payrise for having to deal with my stressed self haha) ! :)
