Independent Financial Advice for Contractors
ContractorFinancials is focused exclusively on meeting the needs of the UKs Freelancer community. As IFAs we are uniquely specialist in our field, to date having helped over 9,000 individual Contractor clients to achieve their financial goals.
Our aim is to show you how to make the most of your employment status whilst helping you guard against some of the pitfalls that exist now that you are outside of a large employer safety net.
Our friendly team of professionals continue to treat every new client as an individual. A dedicated adviser will be on hand to help secure you a mortgage based simply on a multiple of your contract rate, save you tax using a flexible Contractor pension or protect your income and lifestyle via our tailored suite of insurance products.
We recognise that your time is precious so have designed our service to provide timely advice by phone and email although we also offer a nationwide service if you would like to meet us.
Our award winning advisers are just a phone call away on 0845 062 8888 or you can contact us.
Our Key Services
- Contractor Mortgages
- Avoid the frustration of being rejected by lenders with an out-of-date bias against freelancers.
- Contractor Pension
- The most efficient means of getting money out of your company tax-free, particularly if you are caught by IR35.
- ContractorsHIP's
- If you need to instruct a HIP we can ensure that you get a HIP that meets your needs, make the whole process stress free and we even have access to no sale no fee option.
- Income Protection
- Policies to help pay the bills if you fall ill.
- Life Cover
- Essential cover to repay outstanding debts if you die.
- ISAs
- You can invest up to £7,200 in an ISA during this tax year.
Latest News and Articles
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The Pro's and Con's of the Budget 2009
June 2009
On 22nd April Darling made his Budget announcements to mixed reactions from consumers and industry professionals. Here, we take a look at how the Budget may affect the Contractor community.
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How does the pension cap affect Contractors?
June 2009
After the Budget announcement that tax relief on pension contributions will be capped for higher rate tax payers, we urge higher earning Contractors to proceed with caution when it comes to pension investment.
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Is your life covered?
June 2009
Recent headlines about health scares mean that we have probably all considered what would be the impact on loved ones if the worst should happen to us. As a Contractor, you miss out on the 'death in service benefit' offered to permanent employees but you can still protect your family.
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Lowest fixed mortgage rates in a decade!
June 2009
If your mortgage term has ended then low fixed rates offer an opportunity to ensure your mortgage rates stay low when the base rate begins to rise.
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BoE continues to freeze rates
June 2009
The Bank of England has announced that interest rates will remain unchanged but is now the time to fix?
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LV extends free critical illness cover!
June 2009
Following an unprecedented level of demand, we are pleased to announce that LV has announced it will continue to offer free critical illness cover to our clients until the 31st December 2009.
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Money and meerkats make way for recruiters and contractors on the UK's first freelance comparison website
May 2009
Launching this week after extensive development, freelancesupermarket.com offers a new, free-to-use recruitment and networking site to the Facebook generation of professional freelancers, contractors, recruiters, employers and recruitment services.
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Breathe new life into your finances this tax year
April 2009
With the new tax year upon us its a better time than ever to sort out your finances and make the most of the opportunities available for the 2009/10 tax year.
Keep reading "Breathe new life into your finances this tax year"
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FSA planning to regulate mortgage LTVs - buy now before it's too late?
April 2009
The FSA has revealed plans to reform the mortgage market and it has been suggested that this could include new regulations on loan-to-value (LTV) and loan-to-income (LTI) in a bid to prevent banks lending people what it considers to be more than they can afford.
Keep reading "FSA planning to regulate mortgage LTVs - buy now before it's too late?"
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Critical Illness Cover - is yours fit for purpose?
April 2009
Jade Goody's tragic death and news that Steve Jobs is undergoing further treatment has had the effect of bringing Cancer into the limelight and reminds us all to assess how we would cope if the worst should happen.
Keep reading "Critical Illness Cover - is yours fit for purpose?"
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The do's and dont's of Private Medical Insurance
April 2009
As a Contractor it is important to protect yourself from the lengthy waiting lists and often poor service that stem from dealing with the NHS. If you suffer from an accident or injury that prevents you from working then you risk losing income, however with Private Medical Insurance you can rest assured that you will be back on your feet in no time.
Keep reading "The do's and dont's of Private Medical Insurance"
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HIPs Changes
April 2009
The laws surrounding Home Information Packs (HIP) changed on 6th April 2009
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G20 Update
April 2009
When the G20 met earlier this month, they devised a six stage strategy that will hopefully inject some life back in to the World's economy.
Further information
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Mortgage assessor
How does my contract rate allow me to borrow?
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Latest contractor podcast
Emilie looks at how the pension cap may effect Contractors.
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Contractor finances
An introduction.
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Tax tables
Key rates and allowances.
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Contractor investing
Contractor's guide to investing.
Alliance partners
- Contractor UK The IT contractor portal
- Contractor Umbrella Award winning. KPMG reviewed for HMRC compliancy
- SJD Accountancy UK's largest Accountants for Contractors
- New IT Contractors Guides from Contract Eye
- ParasolIT The original umbrella company for contractors
- Freelance Supermarket Showcasing freelance services
- Small Business UK Visit Bytestart.co.uk
- Umbrella Supermarket Top 100 Umbrella Companies reviewed