Freelancer Financials

12/10/2026

🎙️ Self-employed mortgages: looking beyond the numbers.

We're delighted to share that our Head of Mortgage Sales, George Yerou, recently joined Newcastle for Intermediaries' Powered by Partnership podcast!

Alongside industry experts Francesco Di Pietro and Matt Coulson, George discusses the changing world of self-employment and why understanding the story behind a borrower's income is so important.

From contractors and limited company directors to those with multiple income streams, the conversation explores the challenges and opportunities within specialist mortgage lending.

🎧 Catch the full discussion here 👇

https://bit.ly/4jOdNcs

Sponsored content Episode 3: Self Employed: Powered by Partnership podcast from Newcastle for Intermediaries Newcastle for Intermediaries Written By: Francesco Di Pietro Posted: October 5, 2026 Updated: October 5, 2026 Self-employed mortgages: Looking beyond the numbers in a changing world of work T...

09/10/2026

The housing ladder is not only difficult at the first rung.

Renters are struggling to buy, growing families can find it difficult to move, and existing homeowners may face barriers when downsizing.

Contractors can encounter another obstacle: income that mainstream lending systems do not always interpret accurately.

But an initial affordability result is not necessarily the full picture.

A specialist broker can test the assumptions behind it, explore relevant lender criteria and help present contract, retained-profit or blended income in a way that reflects your circumstances more accurately.

Before deciding your next move is impossible, have a conversation with someone who understands contractor income.

Read the full article or speak to Freelancer Financials about your options.

https://bit.ly/4yBq3RT

07/10/2026

Paid in another currency while working at sea?

For seafarers and yacht crew, a UK mortgage application can involve more than proving a contract rate.

Lenders may look at currency, time spent abroad and your ties to the UK.

Evidence of earnings and residency can help an adviser identify lenders whose criteria fit your circumstances.

Planning to buy in the UK?

Talk to our specialist mortgage team before you apply.

https://bit.ly/4rFqtnZ

05/10/2026

Your cover should reflect the income your household relies on.

As a contractor, employee benefits such as sick pay or death-in-service cover may not be part of the picture.

Income protection, critical illness cover and life cover serve different purposes; the right mix depends on your earnings, commitments and the people who depend on you.

Speak to Freelancer Financials about cover that fits the way you work.

https://bit.ly/4z304Db

02/10/2026

🏆 We've done it again!

Freelancer Financials has won Best Contractor Mortgage Provider or Broker at the Contracting Awards for the fourth year in a row. That makes it five wins in six years…
…and it's not the only time we've had reason to celebrate recently.

This win follows our 1,000th five-star Google review last month, and individual award wins for two of our brilliant brokers, George Yerou and Archie Hogg as voted by Next Intelligence.

But more than any trophy, what drives us is this: if you think you're unmortgageable, you're probably wrong.

Complex income, a limited company, an umbrella arrangement: none of those things should stop you from owning your home. We go the extra mile for the entire flexible workforce.

Come and find out what all the fuss is about and what makes this win more special 👇

https://bit.ly/4hXHwhO

29/09/2026

🏠 Who actually decides your mortgage rate?

You might assume the answer is the Bank of England — but there’s a lot more going on behind the scenes.

Our Head of Sales, George Yerou, has written a new in-depth guide explaining exactly how mortgage rates are set and why they can move even when the Bank of England base rate hasn’t changed.

From inflation, global events and government borrowing to swap rates, lender competition and your own financial circumstances, George follows the journey all the way through to the rate you’re ultimately offered.

He also explains why an eye-catching headline rate isn’t necessarily the cheapest mortgage once fees and overall cost are taken into account.

If you want to properly understand what drives UK mortgage rates, have a read 👇

🔗 The ultimate guide to mortgage rates:

From inflation and the Bank of England to swap rates, lender pricing and your own circumstances, follow the money behind the mortgage rate you’re offered.

23/09/2026

A zero-hour contract does not automatically put homeownership out of reach.

The real challenge is showing a lender a clear picture of your earnings when your working hours vary.

Depending on the lender and your circumstances, this may involve reviewing your work history, recent income and the consistency of your earnings.

The difficulty is that lender criteria differ.

An application that one lender struggles to assess may be understood differently by another.

A specialist broker can help identify lenders familiar with zero-hour work and present your circumstances clearly from the outset.

Working on a zero-hour contract?

Speak to Freelancer Financials before choosing where to apply.

https://bit.ly/4yxILK7

21/09/2026

Your mortgage needs rarely stay the same forever.

You might be buying your first home, planning your next move, reviewing your current deal or building a property portfolio.

Each stage brings different priorities and your mortgage should reflect them.

Freelancer Financials provides tailored mortgage advice for contractors and self-employed professionals, backed by more than 20 years of specialist experience.

Whatever your next property goal looks like, our team can help you explore the options that suit where you are now and where you want to go.

Speak to our specialist mortgage team to discuss your next step.

https://bit.ly/4wHzcr0

18/09/2026

Thank you for trusting George and Louisa!

Your recommendation highlights their outstanding mortgage support.

https://bit.ly/4wHzcr0

17/09/2026

Homeownership Gets More Inaccessible for Private Tenants (AGAIN!)

🏠 UK rents are rising faster than house prices; no shock there.

UK private rose 3.3% in the year to June 2026. House prices? Just 2.7%.

But for and freelancers trying to save a deposit, that squeeze is very real.

The average UK rent hit £1,388 a month in June 2026. That's £44 more than a year ago. Every extra pound on rent is a pound that can't go towards a deposit.

But here's the thing: as a member of the flexible workforce, you may already be closer to a than you think.

The way you earn doesn't have to be a barrier; it just needs to be presented to the right lender in the right way to show your true mortgage affordability.

We've written about what the latest ONS figures mean for buyers like you. If you're renting, do yourself a favour and have a read 👇

What the latest ONS figures mean for self-employed buyers.