Specialist mortgages

Freelancer Financials’ strengths don’t just lie in arranging ‘traditional’ contractor mortgages. Our expert brokers are highly experienced in securing mortgages for people with more complex situations.

From people with adverse credit to foreign nationals, we excel at securing them the best available mortgage. This page contains an overview of specialist mortgages we can arrange for you, however uncommon your circumstances.

Specialist mortgages
 

Bespoke mortgages for non-standard incomes

As a specialist mortgage broker, we have to cater for our clients’ broad requirements and circumstances. This has often meant working very closely with specialist lenders to create bespoke mortgage products.

We’ve been instrumental in negotiating bespoke mortgage underwriting. Today, we cover both the shifting patterns in society and in the flexible workforce.

This has given us unrivalled industry knowledge, expertise, and contacts at underwriters. Together, these help us to cater for our clients’ many specialist needs.

Our brokers take time to understand not only your income, but your circumstances, too. This enables them to offer advice tailored to you and your future goals. By putting you first, you get the absolute best deal on the market for your unique current situation.

Our range of specialist mortgages

Bad credit mortgages

Poor credit history negatively impacts mortgage accessibility. But it needn’t be an insurmountable barrier to homeownership. If you’re making reparations, our sympathetic mortgage lenders will listen.

Bridging loans

Bridging loans are flexible, temporary solutions to securing property investments when time is tight. They’re ideal for property restorations and conversions, buying land for development and at auction.

Expat mortgage homes in the UK

Expat mortgages

From getting a mortgage as a returning expat to renting out your home while you’re abroad, you need expert advice. We can help you maintain your roots in the UK while your career blossoms further afield.

Foreign nationals

Lenders’ often complicated assessment criteria make getting a mortgage as a foreign national difficult. If you’ve come to the UK to contract from abroad, we can help you achieve your UK property dreams.

Interest-only mortgages

Interest-only mortgages can reduce monthly outgoings to free up disposable income. Or they can facilitate buy-to-let purchases for rental investment. Got a robust repayment plan? Lenders want to do business.

Large property

Large mortgage loans

‘Due diligence’ is strictly adhered to on large mortgage loans. So much so that not all lenders fund big-ticket property purchases. When a des-res costs so much, buyers need an experienced broker on side.

Let-to-buy private landlady

Let-to-buy mortgages

Let-to-buy mortgages let you buy a home while keeping your name on your current home’s deeds. Use them to beat timescales, move in with someone new, or hold on to long-term investments/the familial home.

New build mortgages

There’s nothing like being a brand new home’s first occupants. And the different schemes can help first-time and existing buyers buy new or ‘off plan’. But, be warned: they can be a minefield; best get a broker on side!

Second charge mortgages

Second charge mortgages are also called second mortgages or secured loans. That’s because they’re secured against an existing property. Use them to raise capital instead of a remortgage or a personal loan.

Ready to secure the mortgage you deserve?

Begin the conversation with our expert team today. Together, we can take the first step towards a mortgage that reflects your true borrowing potential. Let’s make it happen!

Get started

Rated 5 out of 5 stars based on 900+ Google and Facebook customer reviews

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.
Sally Verney
11/06/2025

Related guides