Freelance Income Mortgage Advice

At Pinnacle Finance, our team of mortgage experts have the industry-wide know-how to help people who work as freelancers obtain a mortgage that suits their lifestyle aspirations even if the money they earn changes from month to month.

Mortgage Advice For Freelancers

Here at Pinnacle Finance, we deal with the mortgage applications of people with all sorts of income streams and financial situations. This includes self-employed people of all kinds including freelancers. Being a freelancer doesn’t necessarily mean that your income will always fluctuate but it certainly can do.

Even if you have a steady income from your freelance work, some mortgage lenders may look at your application for a loan differently compared to employed people. This is why it is often advisable to turn to mortgage specialists, like those at Pinnacle, to help you secure a mortgage that is suited to freelancers and other people with more complex incomes than is the norm.

What Qualifies as a Freelance Income?

If you work as a freelancer, then you are part of the gig economy, usually taking one-off requests for service provision. Even people who are employed and also work as freelancers part-time will fall into this category of worker, something that makes a difference with many mortgage applications today.

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Still Have Questions?

If you cannot find an answer you are seeking, then simply click the button below, or call us at 0208 125 3100, to get in touch with one of our mortgage brokers.

Depending on your circumstances you may have a wide selection of mortgage companies willing to offer you the mortgage you desire. With access to thousands of mortgage deals, our experts will find you the most suitable deal.

Yes, we have whole of market access. As we are an independent brokerage, and not tied directly to a group of lenders, we can access the full mortgage market. This exposure allows us to scour the market for the best lending arrangements for our clients.

Lenders can vary significantly in what they are willing to offer when assessing affordability. However, our team of expert advisors will thoroughly assess the market to ascertain your maximum borrowing potential, and will fully guide you along the way.

Our specialist lending proposition encompasses all aspects of mortgage broking. Our team of experts are true professionals in areas such as expatriates, foreign currency, high net worth individuals, large loans, and complex buy to let, just to name a few. This spectrum of expertise is what sets us apart.

Will working as a freelancer affect my mortgage application?

It can do. Freelancers do not necessarily represent a greater lending risk to mortgage providers than employed people or company directors, for example. You may have a very stable or rising income that demonstrates you can meet the repayments you will be committing to. 

However, freelancers should note that their self-employed status and lack of certain employment rights mean that some mortgage lenders look on them differently. That’s why expert guidance in the market is so useful when applying for a mortgage if you are a freelancer.

What if my partner is a freelancer but I am not?

If you are applying for a mortgage in your name only, then the fact that your partner is a freelancer shouldn’t make any difference since his or her income won’t be taken into account. Nevertheless, joint mortgage applications where one person is an employee while the other is self-employed, as freelancers are, will mean that their variable income will be looked into. 

Employees often need to show what their monthly income is from their employer and demonstrate that they’ve been in employment for a given period. Likewise, mortgage lenders will typically want to see how much your partner earns from their freelance work, often taking an average figure based on the last few years of income.

How can Pinnacle Finance help freelancer mortgage applications to succeed?

Because obtaining a mortgage as a freelancer isn’t always as straightforward as it would be for someone of an equivalent income who is employed, turning to us for professional guidance can save time and money. 

We’ll scour the mortgage market for you taking into account not only your freelance status but your wider financial circumstances, too, so you obtain a mortgage deal that truly suits your needs.

Get in touch

We understand that every circumstance is different, and having a bespoke touch is essential in understanding a case. This openminded approach is what creates a professional standard that we always uphold.

Our team of bridging loan specialists are available to discuss your individual requirements, so simply complete the contact form and we’ll be in touch shortly.

Here Is Just A Sample Of Our Reviews

As an expat of the UK, I was looking to remortgage my investment property situated in London. My broker at Pinnacle promptly found me a suitable lender, and an overall competitive deal.



Due to my complex employment situation and the time I spend outside the UK with work, I needed expert advice when arranging my mortgage. The team at Pinnacle duly provided this.


UK & Switzerland

We were looking to relocate back to the UK but had no idea where to begin. Our broker was immense at handling our enquiry and found us a great deal with a high street lender.

Elizabeth & Joel


I had an offer accepted on a holiday let in Scotland but was struggling to find a lender. I approached Pinnacle and they expertly found a mortgage solution that worked perfectly for me.



As a professional based in Dubai, I needed a specialist broker who could review my property portfolio. The results exceeded my expectations, and I would certainly recommend Pinnacle.



As Portuguese & French nationals residing in the UK, we were seeking a mortgage. We are both contracting, but none of this fazed our broker and they found us a mortgage that is perfect for us.

Joao & Anna