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Solutions for Your Home, Family, and Future

At Freedom Circle, we are committed to helping you make confident financial decisions for your future. Whether you're planning to buy a home, protect your loved ones, or secure your future, our expert team is here to guide you every step of the way.

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Self Employed Mortgage

First Time Buyer

Remortgaging

Buy to Let

Interest Only

IT Contractor Mortgage

Self Employed Mortgage

 If you are self-employed, applying for a mortgage can sometimes involve additional requirements, as lenders often assess income differently. At Freedom Circle, we help self-employed individuals understand what lenders typically look for and explore mortgage options that may suit their circumstances. Our aim is to provide clear guidance and support throughout the process, helping to make your mortgage journey as straightforward as possible.

Home Mover Mortgage

If you are planning to move home, reviewing your mortgage options is an important part of the process. At Freedom Circle, we help you understand whether it may be possible to transfer your current mortgage or explore alternative options. We provide clear and practical guidance to help ensure the transition to your new home is as smooth as possible.

Moving to a new home is an exciting step, and reviewing your mortgage is an essential part of the journey. At Freedom Circle, we guide you through the available options, whether that means transferring your existing mortgage or finding a new solution that better suits your needs. Our goal is to make the process simple, clear, and stress-free so you can focus on settling into your new home.

Mortgages for Foreign Nationals & Visa Holders

Applying for a mortgage as a foreign national or visa holder can involve additional requirements, as lenders may assess residency status, visa terms, and income differently. At Freedom Circle, we have extensive experience supporting thousands of clients from overseas who are living and working in the UK. Our team understands the considerations involved and provides clear guidance to help you navigate lender requirements and explore mortgage options that may suit your circumstances. From your initial enquiry through to application and completion, we aim to make the process as straightforward and well supported as possible.

First Time Buyer Mortgages Made Simple

Buying your first home is an exciting step, but it can also feel overwhelming. At Freedom Circle, our expert advisers guide you through the entire process, helping you understand your options and secure the most suitable mortgage for your first home.


 Guidance Every Step of the Way

From understanding deposits and affordability to submitting your mortgage application, our advisers support you at every stage to make your first home purchase smooth and stress-free.

 

 Access to Competitive Mortgage Deals

We search across a wide panel of lenders to find mortgage options designed specifically for first-time buyers, helping you secure competitive rates and suitable terms.
 

 

Our team simplifies the entire process by explaining every step clearly, ensuring you feel confident and informed while buying your first home.


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Remortgaging

Lower Your Monthly Payments

Remortgaging can help you secure a better interest rate and reduce your monthly mortgage payments, helping you manage your finances more effectively. By reviewing your current mortgage and comparing available deals in the market, our advisers help you find options that could save you money and improve your overall financial flexibility.




Access Equity From Your Home

Remortgaging may allow you to release equity from your property, which can be used for home improvements, consolidating debts, or other financial needs. By accessing the value built up in your home, you may be able to fund important projects, manage existing commitments more effectively, or create additional financial flexibility for the future.




Find a Better Mortgage Deal

If your current mortgage deal is coming to an end, remortgaging can help you switch to a more competitive interest rate that may better suit your financial situation. Our advisers review your existing mortgage and search across a wide range of lenders to identify suitable options available in the market. By comparing different products and terms, we help you choose a deal that could reduce costs, improve flexibility, and support your long-term financial plans.

Buy to Let Mortgage Solutions

Buy-to-let mortgages are designed for individuals who want to purchase property as an investment and generate rental income.

Our advisers help both new and experienced landlords find suitable mortgage options tailored to their investment goals.

We work with a wide panel of lenders to identify competitive buy-to-let rates and flexible terms that match your financial plans.

"Whether you are purchasing your first rental property or expanding your portfolio, we provide expert guidance throughout the entire process."

Interest Only Mortgage Options

Interest-only mortgages allow you to pay only the interest on your loan each month rather than the full capital amount. This can help keep monthly payments lower while giving you flexibility in how you manage your finances and plan for the future repayment of the loan.

 Lower Monthly Payments

With an interest-only mortgage, your monthly payments are typically lower because you are only paying the interest on the loan. This can help improve cash flow and make mortgage payments more manageable.
 

Flexible Repayment Strategy

Interest-only mortgages allow you to plan how you will repay the original loan amount at the end of the mortgage term, often through savings, investments, or the sale of a property.

Expert Mortgage Guidance

Our experienced advisers help you understand whether an interest-only mortgage is suitable for your circumstances and guide you through the available options from a wide range of lenders.

IT Contractor Mortgage Solutions

IT contractors often have unique income structures, which can make securing a mortgage more complex. Our advisers understand contractor income and help find lenders who specialise in contractor mortgages.

We work with a wide range of lenders who consider contract rates, day rates, and freelance income to help you access suitable mortgage options.

Whether you are a first-time buyer, remortgaging, or purchasing an investment property, we provide expert guidance to help IT contractors secure the right mortgage solution.

Bad Credit Mortgage

If your credit history includes missed payments, defaults, or other financial challenges, the mortgage process can sometimes feel more complex. Freedom Circle provides clear guidance to help you understand lender requirements and explore mortgage options that may be suitable for your circumstances, supporting you through each stage of the application process.

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

The Financial Conduct Authority does not regulate some forms of mortgage. Freedom Circle Limited does not charge any fee.We are paid a procuration fee by the lenders. For Mortgages, Freedom Circle Limited can advise from a comprehensive panel of lenders. For Insurance, Freedom Circle Limited can advice from a range of insurers
Freedom Circle Limited is authorised and regulated by the Financial Conduct Authority (Reference 808384). Freedom Circle Limited is a registered company in England and Wales (Registration number 11323478).Freedom Circle Limited trading address is Eaton House, 1 Eaton Road, Coventry CV1 2FJ

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Start your journey with Freedom Circle and discover mortgage options designed to suit your individual needs and goals.


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