About Us

Freelancer Financials provides impartial, independent advice catering for the needs of contractors and freelancers seeking advice on mortgages, pensions, life insurance, and income protection. Our strategy is to examine the whole marketplace and find the best solution tailored to your needs.

We are specialists in providing tailored mortgage products and financial services to contractors and freelancers. We are Independent Financial Advisers that are directly regulated and authorised by the Financial Services Authority. We are also pleased to provide what is referred to as a ‘whole of market’ service, which means we can advise you on and arrange a suitable mortgage from all the lenders and from all of their product range.

We’re a young and dynamic company with a lot of experience who appreciate that your lives are busy and your time is precious. We recognise that you want a professional service with experts able to identify the contractor’s unique and often complicated requirements and the ability to deliver on them.

We have worked tirelessly over the years to develop close relationships with leading high street lenders in relation to simplifying what qualifies as relevant earnings for lending purposes for contractors. I believe we have been very influential in changing the income assessment criteria for contractors.

Why Choose Freelancer Financials

• We offer bespoke “contractor friendly” underwriting terms with several high street lenders
• We will work proactively and tirelessly to complete your mortgage in the shortest possible time
• You will be assigned your own dedicated adviser who will be on hand to help you from start to finish
• We keep you informed and up to date with your mortgage application until it completes
• We can also provide you with income protection & critical illness cover

We cater for all trading structures and payment mechanisms, including Offshore Tax Efficient payment structures. Our clients range from Limited Company directors to contractors with their own limited company, as well as operating through umbrella companies and EBT schemes.

Financial Services

- A whole range of products and services tailored for contractors

Contractor Mortgages – we can secure the most competitive mortgages based on your daily contract rates. We take the hassle out of obtaining a mortgage, or remortgage, because we have special relationships with senior underwriters who understand the way you work!

Freelancer Mortgages – we make certain that interest rates are competitive and use banks who will assess your affordability from a generous multiple of your annualised contract earnings (up to 4.5 times)

Contractor Pensions – contractors working through either an umbrella company or a limited company can get very significant tax advantages through pensions while at the same time building up a retirement fund.

Life Insurance – the security of ‘death in service benefit’ of up to 4 times salary is not available. It’s essential, therefore, that you have your own protection for your dependents if the worst should happen.

Life Cover for Ltd Company Contractors – Limited company contractors can save tax by funding their life insurance through the business rather than paying the cost personally from post-tax income. It is called a “Relevant Life Policy” and is designed specifically for the small contractor company. These policies are taken out by your company and written under a discretionary trust for the benefit of your dependants.

Income Protection – policies that help pay the bills by replacing part of your income if you are unable to work for a long period of time because of illness or disability.

Critical Illness Cover – pays you a tax-free lump sum on diagnosis of a critical illness.

Our Promise to you:

We want all of our clients to be satisfied with the service they receive. It has always been our intention to work openly and honestly with all clients and our levels of client retention and recommendations show us this is working.