Specialist Mortgages

Freelancer Financials' strengths don’t just lie in Contractor Mortgages. We also specialise in getting mortgages for individuals with non-standard requirements that are more complex.

Having to cater for our client’s broad requirements and circumstances often means we have to work very closely with specialist lenders to create bespoke mortgage products. We've also been instrumental in negotiating bespoke underwriting to cover the shifting patterns in society and the labour workforce.We've built the knowledge, expertise and contacts in the industry to cater for our clients' specialist needs. We take the time to understand your personal circumstances to offer advice tailored to you alone.

Our range of specialist mortgages suits almost all personal circumstances and diverse markets. This includes:

• Bad credit mortgages – arranging a mortgage when you have adverse credit can be a minefield, especially for borrowers who are first-time buyers with limited experience. We have the experience and contacts to help you secure a competitive mortgage. Let us help you safely plot your course.
• Construction Industry Sector mortgages - if you're self-employed, work in construction, and your employer deducts 20% tax at source, there's a good chance you're in the CIS scheme. Whether you use a limited company or are a sole trader, these specialist mortgages are designed for you.
• Foreign nationals - unfortunately, if you’re a non-EU citizen and want a mortgage in the UK, you need a specialist mortgage adviser. You shouldn’t despair. It’s not difficult if you get an experienced advisor. Since 2004, we’ve helped thousands of foreign nationals in the UK secure a mortgage.
• New Build mortgages – it’s always exciting to buy a new home. But it’s important to understand how the process works. Arranging a New Build mortgage can often be complicated with timing being essential for successful completion.
• Oil & Gas contractor mortgages - short-term contracts, offshore work in the Oil and Gas industry and physical risk. These are all factors you might think are stopping you from getting a mortgage. That's not always the case; how you process your (not insignificant) pay might be more to blame.
• Secured loans (second charge mortgages) – a second charge mortgage is often referred to as a second mortgage or secured loan. This is because they are secured against your existing property following the first mortgage charge. A second charge mortgage is used to raise extra money, instead of remortgaging or taking out a personal loan.