Financial Planning
Finding a mortgage, pension or protection product tailored to your freelancer or contractor status can be daunting so we have teamed up with several industry specialists to assist you.

Mortgages
Don’t waste time, effort and money approaching high street lenders for a mortgage only to be declined because of your Contractor status. We can put you in touch with contractor specialists who can help you secure the finance you need without any of the hassle that Freelancers normally face.
Special income underwriting with the mortgage lenders that enables you to borrow based on an annualised multiple of your contract rate alone.
You avoid the hassle of explaining your employment status and can secure a far greater loan than pay slips alone would warrant.
Mortgages can be agreed within minutes of speaking to an adviser
Unique relationships with the lenders help your competitive mortgage to be processed quickly and without fear of rejection.
Available even if you have only been contracting for a few days and are applying with as little as a 10% deposit.

Pensions
If your annual turnover exceeds the VAT registration threshold (currently £85,000) you will need to register for VAT and submit quarterly VAT returns. There may be circumstances where registering early may be beneficial…
A pension funded via your limited company can potentially reduce a your corporation tax bill to nothing.
Pensions offer a tax efficient method of transferring company funds into personal hands.
The advisers will help you choose a flexible pension to suit your working status.
You can take payment holidays when you are out of contract and overpay when you want to.
Your adviser will help you choose your funds based on your attitude to risk and investment goals so you pension is tailored to your needs.
You benefit from an annual review of your pension investment to help you reach your retirement goals.

Income Protection Insurance
Moving into the freelancer and contract world can be daunting not least due to the loss of the security of permanent position. Income protection provides insurance should you become unable to work through illness or injury and is worth consideration.
Maintain your income in the event that you are unable to work through illness or injury. Our partners offer income protection plans that are tailored to your needs as a Freelancer.
Income protection cover will pay a tax free monthly income, either immediately on the very first day of illness or injury or after a pre-arranged period (e.g. 1 month).
Unlike many other policies which will pay for a matter of months, benefits will continue to be paid until you recover or reach your chosen retirement age.