
Umbrella Employee Mortgages
- 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 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.

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
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.