FCSA partnerships

As we push towards the second quarter of the 21st century (I know: scary, eh?), Freelancer Financials is pushing for more partnerships. As an award-winning, specialist mortgage broker with two decades under our belt, we’ve never been better positioned to onboard like-minded businesses whose clientele overlaps with our own sizeable audience.

Here’s the thing. Most High Street mortgage lenders have neither the capacity nor means to deal with professional contractors ‘in branch’. Yet, nearly all lenders have bespoke contractor mortgage underwriting criteria. So, where is the huge disconnect?

At branch- or call centre level, most mortgage advisors offer only two styles of underwriting: employed and self-employed. As far as this style of underwriting goes, a professional contractor is both and neither.

The result? Contractors either get a low or no mortgage offer, despite their comparatively high income. Your clients, whether from a contracting or freelancing background, will have felt this disappointment.

So, why work with us? Why not any old broker?

We’re 100% independent. That means we have access to every lender on the market, not just a select ‘panel’ of lenders or an afranchised selection. We’re FCA-regulated, with a whole team of accredited brokers, for both mortgages and insurance protection.

But more than anything, we’re pioneers in the truest sense.

We’re not just hanging on other brokers’ coattails. It’s through our direct intervention that many mortgage lenders have contractor-friendly policies at all. We’ve worked with lenders on their pilot programs. We talk every day to the specialist underwriting teams we’ve dealt with for years, almost like an extension of our everyday business. Few, if any, brokers can offer contractors and the self-employed this level of access!