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.

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 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 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 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!