Contractor Mortgage Brokers We assist contractors operating through their own limited company or working through an umbrella company obtain a competitive mortgage

As mortgage advisers we have intentionally avoided the “Jack of all trades and master of none” approach to offering mortgage products to everyone. Instead we pride ourselves, as you do, on being experts in our selected field.

Most freelance contractors are busy people and their time is money. Choosing a mortgage is never a simple decision and for a contractor it can be even harder. Inexperienced staff in a high street lender’s are often unfamiliar with the freelance contracting market and this can often complicate and prolong the mortgage application and even lead to its failure.

Many clients that use our mortgage service often tell us of their difficulty arranging a mortgage due to the difficulties lenders have surrounding their employment status. Many have not been contracting for an extensive period, or their Limited Company may not have been trading long enough to produce finalised accounts.

Choosing a good mortgage broker is essential in today’s current financial climate. A specialist contractor mortgage broker can save you the hassle of dealing directly with high street lenders who are unfamiliar with the contracting market. This is increasingly important in the current financial climate as lenders are tightening lending criteria and this trend is predicted to continue with the scheduled introduction of increased regulation.

Contractor Mortgage Specialist

We are specialist contractor mortgage brokers arranging mortgages through competitive lenders for contractors either operating through their own limited company, payroll umbrella or offshore tax efficient payment scheme. We have experience dealing with all the providers and will be able to direct you to the lenders who are comfortable and professional when dealing with a contractor’s mortgage needs. These providers will make mortgage offers based on your contractor rates (up to 4-5 times annualised contractor rate). Moreover they will not demand 2-3 years of accounts like many of the traditional lenders.

We have many contractor clients with whom we have built up close relationships, successfully helping them find and close the right mortgage for their particular needs. We will be happy to do the same for you.

Contractors should not settle for self-cert mortgages with expensive charges and high interest rates. Avoid brokers and lenders who place restrictions on contractors because they are not prepared to assess you on your annualised contract rate.

Why Freelancer Financials?

Freelancer Financials is a company who concentrates on providing mortgage advice to UK Contractors. As the majority of our client base are UK Contractors with highly specialised requirements, we have, over the years developed a wealth of experience in exactly how and where their mortgage applications should be submitted in order to ensure success.

Make the right choice! We will scour the market utilising our contacts so as to find the best contractor mortgage provider to suit your needs. This will not be a self-cert mortgage – they tend to charge high interest rates and expensive fees. We will look for a contractor- friendly provider, whose mortgage offer will be based on a multiple of your annualised hourly or daily rates and who, unlike conventional lenders, will not demand 3 years accounts.

At Freelancer Financials you can be sure that we will put your needs first and help you secure the right mortgage for you. We are specialists in arranging mortgages for UK contractors. That’s our job!