The mortgage broker for contractors and the flexible workforce
At Freelancer Financials, we go beyond simply understanding the mortgage industry – we’ve shaped it.
Our expertise ensures contractors can secure the best mortgage deals based on their day rate, backed by the common-sense criteria we’ve championed.
Trust the team that’s revolutionising the way mortgage lenders see contractors – we’ll help you achieve your home ownership goals, no matter how complex your situation.
Conventional lending often underestimates a contractors true mortgage affordability
Traditional affordability criteria aren’t designed for the unique nature of your work and earnings, leaving many contractors with mortgage offers that don’t reflect their real financial capability.
At Freelancer Financials, we’ve pioneered a different approach. By leveraging your gross contract earnings, we bypass conventional underwriting and ensure lenders recognise your true affordability.
With us, you will get a mortgage offer that reflects your actual income, empowering you to secure the home you deserve.
Tailored solutions for every stage of your contractor mortgage journey
At Freelancer Financials, we specialise in providing contractor mortgages that suit every stage of your life.
Whether you're taking your first step onto the property ladder, moving home, remortgaging or expanding your portfolio, our award-winning broking team is here to help.
As an independent broker with more than 20 years' experience, contractors will benefit from our expertise and unbiased advice.
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.
No matter your industry, experience or how you're paid, we’re here to help you get the mortgage you deserve. We support the flexible labour workforce, independent professionals and contractors of all kinds.
John Yerou, founder and CEO of Freelancer Financials attended the awards event with the broking team. Reflecting on the achievement, he said “We are honoured to be recognised by the industry for our commitment to providing contractors with an exceptional service.”
“This award stands testament to the expertise, hard work and dedication of our entire team, who are passionate about helping contractors achieve their homeownership dreams.”
Freelancer Financials is a multi-award winning independent mortgage broker, specialising in supporting the flexible workforce.
How much can I borrow for my contractor mortgage?
Protection insurance cover
Contractors cannot rely on the sick pay and death-in-service benefits they were used to as employees, as these are only available to permanent staff. Instead, they need to put their own cover in place to protect themselves, their families and their homes in the event of illness or death.
One size does not fit all – you need protection insurance that works for your specific personal situation. Our expert protection advisers will propose a package of cover tailored to suit a your unique circumstances.
Click the links below to learn more about the types of protection insurance we offer, or speak to the protection experts at Freelancer Financials on 020 8421 7999.
Outstanding Mortgage Broker Service – Highly Recommend Andrew & Leenie! We couldn’t be happier with the service we received from Andrew & Leeni! From start to finish, they made the entire mortgage process smooth, stress-free, and incredibly efficient. Their knowledge of the market, attention to detail, and constant communication made us feel confident every step of the way. They took the time to understand our needs, explained all our options clearly, and secured us an excellent deal. What really stood out was their genuine care and commitment – we never felt like just another client. Whether you're a first-time buyer or looking to refinance, we wholeheartedly recommend Andrew & Leeni. Professional, trustworthy, and a pleasure to work with – thank you both for making our homeownership journey such a success!
Can Osman
20/08/2025
We honestly couldn’t recommend Archie Hogg at Freelancer Financials enough! From day one, he went above and beyond, guiding us through what turned out to be a really challenging mortgage process. When things felt impossible, Archie’s knowledge, patience, and determination gave us the reassurance to keep going. Freelancer Financials were also the only brokers who could properly deal with my partner’s self-employed status, which was a big part of the challenge. Archie handled every hurdle with professionalism and genuine care. He never left us in the dark and always took the time to explain things clearly. It always felt like he truly cared about getting us over the finish line. Thanks to him, we not only got our mortgage approved, but at a better rate than we’d expected. We honestly wouldn’t have managed this without him. We’ll be using Archie and Freelancer Financials for all of our future mortgage and housing needs without question. I can’t sing Archie’s praises enough — 10/10, highly recommended!
Gwen Ncube
20/08/2025
Thank you Andrew Saunders for always being punctual with timing on our Mortgage when the fix rate comes up and finding us the best deal. Always replying to emails quickly with a kind approach. Highly recommend.
Samantha Mitton
19/08/2025
I was introduced to Raj through a friend’s enthusiastic recommendation, and from our very first conversation I knew I was in great hands. I’ve worked with good brokers before, but Raj stands out in every way, he’s exceptionally knowledgeable, genuinely friendly, and incredibly efficient. Time and again, he’s secured me the best mortgage rates available, all while being responsive, transparent, and easy to work with. Raj doesn’t just meet expectations, he exceeds them. If you need a broker you can truly trust, he’s the one.
Fernando Falero
11/08/2025
I had to use a broker due to being a contractor. After being let down by the previous broker I contacted Archie Hogg at Freelancer Financials. We can’t fault the service from Archie and the team. He did what I thought was the impossible and got us a mortgage with NatWest when I thought we’d have to use an adverse lender. Archie kept us up to date every step of the way. We will be using them when we come to remortgage. We complete this coming Tuesday and move in by 25th August. Thanks Archie.
Daniel O'Neill
08/08/2025
Absolutely delighted with the service I received from Freelancer Financials. From the very first contact, the whole process was clear, professional and genuinely supportive. A special thank you to Natasha and Natalie, who were truly exceptional throughout. Sandra Xheka
SANDRA MOS CAAMANO
05/08/2025
I have been using Freelancer financials for a number of years. Andrew Saunders (my mortgage advisor) is absolutely excellent. He's always been able to find very competitive deals, explains everything clearly, and along with his team gives a top class service. I couldn't recommend him more highly.
Luc Hardy
31/07/2025
I recently completed a remortgage and Raj was absolutely brilliant throughout the process. He throughly presented all my options to ensure I get the right deal. We experienced some challenges but with his experience, thankfully we overcame them. He kept me updated throughout the process and I am really pleased with the outcome. Thanks Raj!
Kamran Zaidi
28/07/2025
After struggling with another broker I reached out to Archie Hogg, called him around 9.30am and by midday he had found a lender and a few days later he had a mortgage offer for me. Couldn't recommend more, especially for Sole Traders and so happy with the super quick turnaround and service he produced whilst being very clear about everything. Thanks Archie!
At Freelancer Financials, we're here to make your financial journey easier. Our guides are designed to give you the insights and tools you need, whether you're securing a mortgage or navigating industry trends. Explore our resources and take control of your financial future.
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.
