Contractor Guides

ContractorsOur contractor guides offer both those new to contracting and those longer in the tooth up-to-date assistance to help you make the most of your contracting business.

Making your business a successful one isn’t purely about providing your product or service and getting paid for it. There’s a multitude of other ways you can benefit from being self-employed.

The problem: the information you’re looking for won’t come from a HR department. Nor will clients work out your tax and NICs in their payments. Those responsibilities, and many others, fall squarely on your shoulders.

Some contractors understand how all of the pieces mesh together as if they were born with the knowledge. For the majority, however, their newfound self-employed status represents a huge learning curve.

What’s covered in our contractor guides?

Our library is a handy resource providing you with free-to-download up-to-date guides. Its aim is to give you the confidence that you and your business are optimising your income whilst remaining compliant and legitimate at all times.

Contracting is a constant learning curve. As well as providing your service, whether directly or through an Umbrella Company or Agency, it’s imperative you keep on top of the business aspect, too.

Here’s an overview of each of the topics we’ll be covering, with further information on each page. If an element isn’t part of our genetic make-up, we have solid bonds with partners to bring you:

Contractor Mortgage Guides

Mortgages for contractors work differently than for employees with permanent contracts. Dealing directly with underwriters, we offer competitive, speedy mortgages that reflect your true earning potential, not your take home, payslip or accounts.


Contractor Income Protection Guides

Securing your business and livelihood against illness and accidents is imperative. As a self-employed entity, there’s no such thing as paid sick leave. Our flexible Income Protection replaces that safety net, whatever your trading structure.


Contractor Pension Guides

As much as we love what we do, there’ll come a day when we send our last invoice. Contractors can make pension contributions that not only ensure their future quality of life, but also offer extremely beneficial tax breaks in the here and now.


Tax-Efficient Life Insurance Guides

Contractors aren’t availed of the traditional death-in-service benefits that permanent employees at large corporations receive as part of their contract. That is, until now. Relevant Life is an affordable tax efficient way to ensure your family benefit should the worst happen.


IR 35 Compliance Guides

IR 35 is not going away any time soon. For contractors whose budget and mortgage rely heavily on them being super tax-efficient, a visit fromHMRC could be devastating. You must ensure that you and your accountant are fully versed in all aspects of IR 35 compliance.


Investments & Tax-Planning Guides

Contracting opens up many doors for investment, given the comparatively high earnings potential of being self-employed. Whether you’re looking for a simple ISA into which to stash your cash and dividends or a more elaborate savings mechanism, there are many options available.


Limited Company Registration Guides for New Contractors

Many of the benefits outlined above work in the most tax-efficient way possible if contributions and payments are put through a limited company. Registering yours will open the door to the financial freedom you sought when deciding to make your own way in the world.

Freelancer Financials: your all-in-one contractor resource

Although you’re self-employed, you’ll soon come to realise the importance of selecting the right partners to support your unique business model.

Our strong, reliable partnerships present a unique opportunity for you to draw on our combined experience. Why waste your precious time searching for these services when they’re all available here?

Feedback from our own clients indicates that hunting down unfamiliar services, no matter how beneficial, can seriously hamper productivity. We’ve done the donkey work and put the fruits of that labour into our contractor guides, free for you to download for your Kindle or as a plain old pdf for you to read at your leisure.

Working with us, you’ll build an unshakeable foundation for your limited company. By focusing on your clients instead of menial tasks, your business will soon begin to flourish.

Get our contractor guides hot off the press

To ensure you don’t miss an update, drop your email address into the form to confirm your interest. We’ll deliver each guide to you with our newsletter as soon as it rolls off the press.

Our established partners are all listed here on-site, complete with a description of the “other service” we provide through them.

Not sure if one of our services are right for you? Our staff will help you instantly fill in any blanks. If you’re still uncertain, we actively encourage you to double check any aspect with an IFA.

In the meantime, do feel free to check out how our patners can add value to your business. For anything more specific, please fire over any questions you have about our contractor guides.


Author: John Yerou

John Yerou is the owner and founder of Freelancer Financials; a trading style & trade mark of the award winning Mortgage Quest Ltd. One of the most recognised names in providing mortgages for contractors and freelancers across the UK.

In 2004 John began his career in Financial Services as an independent mortgage adviser and broker. John has been instrumental in negotiating bespoke underwriting for contractors with high street lenders.

His presence in the industry as a go-to expert is growing by the day and he is regularly cited and writes in publications both locally and nationally.


Semantic Tags: Business, Contract, Limited company, Underwriting
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