Smartwork logo

Umbrella Employee Mortgages

    We respect your data

    We'll always treat your personal details with utmost care, and will never share them with other companies.

    By submitting this form you agree to our Privacy Policy

    • Affordability based on gross contract day rate
    • Independent brokerage: no lender is off-limits
    • Multi-award-winning contractor specialist broker
    • All types of residential and buy-to-let mortgages
    • Umbrella, Ltd Co. Contractors & Directors welcome
     
    Mortgages for umbrella company employees

    Mortgages for SmartWork employees from Freelancer Financials

    Umbrella company employees confuse most High Street mortgage lenders. Yes, umbrella employees are technically employed. But not in the way that fits neatly into lenders’ traditional pigeonholes.

    And they have payslips. But what do those extra deductions mean?

    Moreover, why should these two simple anomalies derail generic affordability calculations, often resulting in a low—or no—mortgage offer? We asked that question. For years.

    Today, it’s a moot point. Now, we bypass call centres and in-branch advisers. Instead, we go direct to specialist underwriting teams. Like us, their dedicated experts get contract income.

    No need for payslips. No SA302s. Just commonsense underwriting that maximises umbrella employees’ gross day rate potential.

    Get a mortgage quote

    Leverage our independence and two decades’ experience to get the mortgage that your expertise and income deserve, talk to the experts in umbrella contractor mortgages – Freelancer Financials.

    Why choose Freelancer Financials?

    A proven track record since 2004

    Founded in 2004, Freelancer Financials has been at the forefront of transforming the mortgage landscape for contractors. As contractor mortgage pioneers, we’ve played a key role in educating lenders, enhancing assessment criteria, and securing thousands of mortgages for contractors nationwide.

    With more than two decades of expertise, we’re the safe and trusted pair of hands you need to navigate the complexities of contractor mortgages.

    Multi-Award Winning Mortgage Broker

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

    How to protect your income, home and family

    Income protection

    Life insurance cover

    Privacy policy

    Critical illness protection

    Relevant life insurance

    Ready to secure the mortgage you deserve?

    Get in touch with our expert team today and take the first step toward a mortgage that truly reflects your earning potential. Contact us now and let’s make it happen.

    Get started