If you’re a contractor or freelancer Free Spirit have access to lenders offering specialist criteria to enable us to use your full contract value (day rate) for your mortgage. Because we understand how you work and pay yourself and know the lenders who do too we look to secure you a mortgage that reflects your true income.

Whether you are a Limited Company Director or a sole-trader Free Spirit can access a range of mortgage options that cater to your income structure. Some lenders will look at your salary and dividends whlst others will look to utilise your share of company profits.

PAYE employees can take advantage of a range of traditional mortgage options, including fixed-rate, variable-rate, and tracker mortgages. Free Spirit can help you understand the benefits of each option and assist you in choosing the one that's most suitable for you.

Investors can access a range of buy-to-let mortgage options that enable you to purchase and let out property as an investment. Whether you're a first-time landlord or have years of experience, Free Spirit can help you find the most suitable buy-to-let mortgage for your needs.

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

Your property may be repossessed if you do not keep up repayments on your mortgage.