Freelancer Financials offers tailored mortgage solutions for all contract workers planning to move home. We can secure the best contractor mortgage available to you as a home-mover, based on your contract rate alone. We streamline the mortgage process for you, making the most of your gross annualised contract income to enhance affordability.
Contractors often face unique obstacles when moving home, particularly with traditional high-street lenders. Standard lending criteria can undervalue your earning potential by focusing too much on accounts, payslips, or SA302s.
This can lead to rejected applications and missed opportunities. At Freelancer Financials, we specialise in contractor mortgages, ensuring your income is assessed fairly, whether you work under an umbrella company, limited company, or any other self-employment structure.
Try our range of online mortgage tools for your new home purchase
Mortgage repayment history alone may not be enough
Moving home is a big step. You’ve not only got to worry about furnishing your new home, you have to defurnish your current home.
The last thing you need is to have to worry about a new mortgage, too. And, if you didn’t use a specialist broker before, you know the hoops you had to jump through, then.
You may think that your mortgage payment history will be enough to get a good homemover mortgage this time. But you’re faced with the same problem: relying on an adviser to understand contract income. Through us, you can be sure you’ll get a specialist underwriter who understands contracting as well as we do.
A mortgage broker that gets you
You deserve a broker who understands your unique needs. We don’t only understand contractors. We’ve helped lenders develop contractor-friendly lending criteria, too.
Together with our hand-picked lenders, we can make your homeownership dreams a reality. No matter how you’re paid, we’ll ensure lenders see what you can truly afford with your income.
When you work with us, you’ll enjoy a simple process tailored to your circumstances. Our support will help you bypass lenders’ gatekeepers, giving you access to specialist underwriters. This can make all the difference in your search for your dream home.
Why Freelancer Financials?
Comprehensive mortgage options
Fixed-rate, tracker, interest-only, and flexible offset mortgages.
Access to senior underwriters
Experts who understand contractor income structures.
Generous borrowing limits
Up to 5x your gross annualised earnings.
Minimal documentation
Typically, you only need your contract, proof of ID, and bank statements if needed.
How much can I borrow as a contractor home mover?
Your stress-free home-moving partner
We’re committed to ensuring your home-moving journey is stress-free by providing:
Step-by-step guidance
From your first consultation to mortgage completion, we’ll be with you every step of the way.
Tailored affordability advice
Maximise your borrowing potential while safeguarding your credit score.
Award-winning expertise
Trusted by contractors and recognised as a leading specialist mortgage broker.
Streamlined efficiency
Timely mortgage approvals, even in the most complex property chains.
Compare the best mortgage deals for contractor home movers
Stamp Duty Land Tax (SDLT) calculator
Stamp Duty is an unavoidable tax when buying a home, yet many overlook it until the last minute.
The amount you owe depends on various price bands, with each portion of your total calculated accordingly.
To simplify this, just enter the purchase price into our Stamp Duty calculator, then hit Calculate to see your SDLT bill instantly.
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!
