Talk to any IT contractor about mortgages and most will grind their teeth at the thought of having to negotiate with their bank and trying to explain to some "oik" how most UK contractors are paid through their own companies. Many contractors will have tried applying for a mortgage online and most likely received a mortgage offer in principal, only to be rejected further down the line when the mortgage underwriter has realised that the applicant is not a permanent employee. Problems are usually compounded when the banks has asked to see the company accounts which obviously don't reflect what the Contractor actually earns. That is where Freelancer Financials can help you.

CONTRACTOR MORTGAGE SPECIALISTS

Over the years we have built up a number of special relationships within the major High Street banks who understand how IT contractors operate and pay themselves; and can therefore obtain you the same competitive mortgage rates as normal employees. We are contractor mortgage specialists that have the expertise, experience and contacts to smooth the path to you obtaining a mortgage offer without encountering the normal rebuttals and heartache normally associated with arranging a mortgage.

In the old days, your bank manager would have known you personally. He or she would have shopped in the same high street, eaten in the same restaurants and had a drink in the same pub on the way home. If you were a first time buyer, the likelihood is that your bank manager would have known your parents and told them to tell you to come and have a chat. If you were moving up in the world, he would have been discussing your plans and business aspirations for months. If you were paying rent, he would have been encouraging you to stop funding your landlord's mortgage and get on the property ladder yourself and he would have understood how UK contractors operate. In other words, he knew you personally and could advise you accordingly and grant you a mortgage.

PROVIDING MORTGAGE ADVICE TO UK CONTRACTORS

Sadly, those days have long gone. Most contractors will now bank online and talk to someone in a call centre in a far off land who has no idea what your town even looks like, let alone what you do and how important any decision he or she makes could affect your life. That is why our team at Freelancer Financials like to get to know our clients personally so that we can provide the best mortgage advice to suit your personal circumstances.

So why use us if you are an IT contractor looking for a mortgage