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Freelancer Financials

Freelancer Financials is a trading style of Mortgage Quest Ltd. Since inception in 2004, Freelancer Financials has devoted itself to changing lenders’ biased attitudes towards the flexible labour workforce (The Gig economy) – professional contractors, freelancers, CIS workers, Zero-hour contractors, self-employed professionals and business owners.


We’ve developed underwriting criteria with many lenders, often holding their hands through pilot programmes. By educating lenders in the nuances of contracting, with our help they now know how to assess a professional contractor’s true mortgage affordability. Our reward is the implicit trust from lenders and the contracting community.


Due to our hard work, contractors today have the opportunity to get a mortgage based on what they’re really worth. Irrespective of their trading structure, Ltd or PAYE Umbrella, in or outside IR35, they can borrow based on their gross contract income. not just post-tax accounts or payslips.


We’ve become one of the largest, most authoritative UK contractor mortgage specialists and one of the largest specialist mortgage brokers, outright. All this, yet we remain a family owned, independent mortgage brokerage of 35 people.


Achievements and what sets us apart from others in our industry


At Freelancer Financials you’ll discover an award-winning service that puts your individual needs first.


  • Mortgage & Protection cover tailored to your needs
  • Market leading mortgage rates
  • Access to exclusive deals not available on the high street
  • Borrowing potential of up to 5.5 x your gross income


We continually break new ground in mortgage brokering and have helped over 30,000 contractors secure mortgages. In recognition, we’ve won top-performing mortgage broker in the Mortgage Intelligence Awards for nine successive years.


Freelancer Financials also attained finalist and runner-up in the “Best Specialist Broker/Distributor” category in the 2022 Mortgage Strategy Awards.


We’ve also won the Contracting Awards twice for ‘Best Contractor Mortgage Provider/Broker”. So, you’re in safe hands.


We’re pioneers in negotiating “Contract Based Underwriting” with lenders, thus enabling them to assess contractors’ affordability based on their gross contract rate. Without this in place, lenders wouldn’t entertain lending to PSC or Umbrella contractors.


Find out more about contractor mortgages or get in touch with Freelancer Financials about your mortgage here