Getting a mortgage as a freelancer

Some traditional lenders require three years of accounts for freelancers before they will even consider giving a mortgage. With such low percentage rates, many providers are happy to lend money with a more fitting amount of security and shopping around can provide excellent results.

getting a mortgage as a freelancer

Independent financial advisors can be a very good source of potential deals and, if familiar with your financial circumstances may hold sway with the provider to help leverage a deal.

Other sources of a good mortgage can be your local bank, as they know your financial situation better than anyone they may accept a mortgage proposal from you where others refuse.

At FreelanceUK, we’re committed to providing the best possible products & services for our members and that is why we have teamed up with Freelancer Financials; one of the UK’s leading mortgage specialists for contractors, freelancers, and self-employed professionals.

Get the right mortgage as a freelancer

As a freelancer, if you are thinking about either buying a new property, remortgaging or going for the buy-to-let option, Freelancer Financials can help you find your new home with a fair mortgage. Freelancers and the self-employed are usually treated unfairly as their income is not as regular as an employee. However, as Freelancer Financials specialise in the freelancer mortgages, you can be sure that you will get a fair deal. Freelancer Financials offer thier services to freelancers, small business owners, self-employed and contractors.

Why choose Freelancer Financials:

  • Wholly independent, with access to all freelancer-friendly mortgage lenders
  • Have helped banks and building societies devise their contractor lending criteria, so know precisely what to look for
  • Have been successfully getting mortgages for freelancer since 2004
  • We understand freelancing, so can interpret freelance income to mortgage lenders
  • Borrow up to 5 times your annualised contract rate, subject to status
  • We can often use just your current contract, an up to date CV, 3 months' bank statements and proof of ID to get you a mortgage

Start the conversation today 

All that said, the biggest difference is that we get to know you. Your situation, career status and ambitions - they all should play a part in your mortgage choice. You should not be penalised for being a freelancer, and Freelancer Financials can help with that.

If you are thinking about buying a property or ready to put in an offer, speak to one of our specialist advisors today by completing this form.

More on starting up as a freelancer and mortgages for freelancers.

Your free mortgage consultation

I am aware that the information I provide through this web page will be shared with Freelancer Financials. Freelancer Financials will use the information contained in order to service your enquiry and for direct marketing purposes.

By submitting this form I consent to Freelancer Financials contacting me for these purposes. If you wish to opt out, you may do so via email, telephone or post.


FreelanceUK are not authorised to offer regulated mortgage advice. FreelanceUK are introducers to Freelancer Financials.


Financial advice is given by Freelancer Financials, which is a trading name of Mortgage Quest Ltd and is regulated and authorised by the Financial Conduct Authority (FCA). Our FCA registration number is 312484.

Terms & Conditions

There will be a minimum broker fee for our mortgage service of £750 depending on your circumstances, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application. Our broker fees only apply when you decide to go ahead with an application.

Not all products are regulated by the FCA e.g. Buy to Let Mortgages.