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In partnership with

Trusted by 10,000+ contractors
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Award-winning solutions

Mortgages for contractors

Our award-winning contractor mortgage partner, Freelancer Financials, has helped develop bespoke mortgage underwriting criteria for professional contractors. Many lenders now offer “Contract-Based Underwriting”, which calculates mortgage affordability against gross contract rate. This method allows umbrella and limited company contractors to access mortgages at least as competitive as mainstream borrowing.

About Freelancer Financials

Freelancer Financials is a multi-award-winning provider of bespoke contractor mortgages. They have over 15 years’ experience and have helped thousands of contractors secure mortgages. What’s more, the firm pioneered tailored mortgage underwriting criteria specifically for UK contractors. Now, independent workers can borrow up to 5.5 times their gross annual contract rate.

Service highlights

  • Mortgage affordability up to 5.5 x gross annual contract rate*
  • Mortgages for contractors based on contract rate alone
  • Limited company or umbrella company contractors
  • Mortgages from first contract*
  • Exclusive and semi-exclusive deals with high street lenders
  • Remortgage, product switch, first-time buyer, second stepper and buy-to-let available

*subject to status

Receive a tailored contractor mortgage quote now.

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