Freelancer Mortgages

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Freelancer Mortgages

Welcome to Your Dedicated Space for Freelancer Mortgages

Greetings from Mondo Mortgages! We’re excited to present a tailor-made guide exclusively for freelancer mortgages. While navigating the mortgage world might seem like a maze, rest assured, we’re here to be your guiding light throughout the entire journey.

Freelancer Mortgages Unveiled

Setting the Record Straight

Let’s start by debunking a common myth: freelancer mortgages aren’t an elusive concept. They’re essentially just like regular mortgages. The difference lies in how we evaluate your unique situation throughout the process.

As a freelancer, you’re on the same playing field as traditional employees, but what makes your journey distinct is how we understand and factor in your income and work status.

Deciphering the Income Puzzle

Cracking the Code of Earnings for freelancer Mortgages

Freelancers are no strangers to the ups and downs of income. Unlike those with fixed paychecks, your earnings can be a rollercoaster ride. And here’s the scoop: lenders might be curious about your ability to manage a mortgage when your income fluctuates.

But here’s the kicker: Lenders want to see a stable income that has the potential to grow. They’re keen on your ability to handle mortgage payments regardless of the financial season.

Crafting Stability in Your Income

Demonstrating Financial Confidence

For freelancers, showcasing income stability is your secret weapon. Lenders find comfort in consistent income, even if it stems from various sources. It’s not just about covering daily expenses; it’s about illustrating your financial prowess when it comes to your mortgage commitment.

Putting Numbers to Work 

Estimating Your Borrowing Potential

Imagine this: your income is in harmony. Now, you can calculate how much you could potentially borrow. Most lenders allow freelancers to borrow three to five times their annual income. Whether they focus on net profits, retained profits, or your salary depends on your financial journey.

But remember, your deposit is your ally. Aiming for a deposit of at least 25% is a prudent step. Going further – around 30% to 40% – can unlock favourable rates and underscore your mortgage readiness.

Guided by Expertise for Freelancer Mortgages

Why Advisors Make a Difference

At Mondo Mortgages, we get the complexities of freelancer mortgages. This is where the wisdom of experienced professionals comes into play. Conversations with experts well-versed in the nuances of freelancer mortgages can be a game-changer. They’ll ensure that your application shines in all the right areas.

Even if your application faces a hurdle, these seasoned advisors can smooth things over with the right documentation and a strategic approach.

Your journey from freelancer to homeowner begins right here. We’re your companions, guiding you through the intricacies and transforming your dreams of homeownership into a tangible reality. Reach out to us at Mondo Mortgages, and let’s kickstart your expedition towards mortgage triumph – in true freelancer fashion

Understand Your Credit File 

When greeting ready to apply for a mortgage it’s essential you understand your credit history.


We recommend Check My File who offer a 30 day free trial (usually £14.99 per month, you can cancel at anytime) 


The Check My File Report provides you with a summary from three different credit reference agencies (Experian, Equifax & TransUnion).

Mortgage lenders use different credit reference agencies and you are able to see what the lender see prior to making any applications.



Freelancer Mortgages

Why Mondo Mortgages