Freelance Mortgage Calculator

How much could you borrow for a mortgage?

Estimate your borrowing power for a freelancer mortgage using our specialist calculator. No credit checks here! Simply fill out the information below to get your estimate!

Freelancer Mortgage Resources

Freelance income can be variable, but that shouldn't stop you from getting a mortgage. Learn how to prepare your accounts and which lenders are most sympathetic to the freelance lifestyle.

5 mins

Mortgages for Freelancers

Learn how lenders assess variable freelance income and which specialist banks are most sympathetic to the freelance lifestyle.

8 mins

Proof of Income Guide

Discover exactly which documents, such as SA302s and tax year overviews, you need to provide to evidence your freelance earnings.

6 mins

Zero-Hour Contract Options

Explore your options if you work on a zero-hour basis and learn how to package your application to prove long-term affordability.

Excellent

4.94 based on 154 reviews

Nathan & Erin

Verified user

Dan was fantastic from start to finish. It took him less than a day to secure us a mortgage offer on a competitive rate. Never a question he was unable to answer whether it was mortgage or life insurance related. Highly recommend, A1 service!

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United Kingdom, 2 months ago

Gary

Verified user

Daniel helped us again renewing our mortgage and was extremely helpful throughout the entire process. Emails were responded to promptly, and any queries we had were dealt with without hesitation. Highly recommend.

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United Kingdom, 2 months ago

Costas

Verified user

We were very happy with Daniel at Just Mortgages as he helped us with our mortgage journey.He was very helpful and the process was quicker then we expected.Excellent customer service and very professional....5 Star review for Just Mortgages!

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United Kingdom, 8 months ago

Yaser & Amanah

Verified user

Daniel was excellent, he really helped us get the right mortgage package. He helped me understand each package and rate. Daniel was very patient with me. Thank you Daniel! I honestly highly recommend

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United Kingdom, 8 months ago

Timothy

Verified user

As a Landlord with a large portfolio the number of products available are limited. Daniel was great identifying competitive products and we agreed to three buy to let mortgages which completed without any issues. All questions and responses were anwered in a timely and professional manner. I would recommend Daniel and Just Morgage Brokers.

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United Kingdom, 8 months ago

Verity

Verified user

Just Mortgage Brokers are very helpful and responsive. Would definitely recommend their services to everyone

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United Kingdom, 8 months ago

Daniel

Verified user

Excellent support getting my initial mortgage and subsequently remortgaging. Very friendly service, always transparent and honest. Recommend highly

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United Kingdom, 8 months ago

Sarah

Verified user

It’s the second time we have used Just Mortgage Brokers & they were amazing! Daniel made everything so easy for us. We will definitely use them every time & recommend to friends & family.

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United Kingdom, 8 months ago

Emma

Verified user

Super easy to use, saved loads of time and stress having to sort out a new mortgage ourselves. It's easy to talk to a person on the phone and everyone has always been very helpful. This is the second time we've just JM and I would highly recommend!

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United Kingdom, 8 months ago

Ben

Verified user

Smooth as ever, efficient and charming - thanks team!

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United Kingdom, 8 months ago

FREQUENTLY ASKED QUESTIONS

Yes, most lenders will look at an average of your earnings over the last two to three years to determine a stable figure for mortgage affordability.

While two years is the standard, we have access to specialist lenders who can consider your application with only 12 months of freelance trading history.

Freelancers have access to the same 95% LTV (5% deposit) mortgages as everyone else, provided your averaged income supports the loan amount.