Financial Services

Finding a mortgage, pension or protection product tailored to your Contractor status can be daunting so we have teamed up with the UK’s leading Contractor specialist Independent Financial Adviser in order to provide our clients with the best contractor focused independent financial advice on the market.

Our award winning advisers can ensure you make the most of your money and help you to avoid the pitfalls that freelancing can often present. This way you can enjoy the freedom of contracting whilst still retaining many of the benefits and the safety net that you enjoyed as a ‘permie’.

Contractor Mortgages

Don’t waste time, effort and money approaching high street lenders for a mortgage only to be declined because of your Contractor status.  The mortgage service from goaccounting and our specialist IFA 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 accounts 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.
  • Even if you have only been contracting for a few days and are applying with as little as a 10% deposit.
  • goaccounting clients won’t pay any broker fees so you get free expert advice, saving you £500+.


Start saving for retirement and benefit from tax relief on contributions with a flexible pension to suit your needs. You can fund a pension personally or via your ltd company.

  • A pension funded via your ltd company can reduce a hefty corporation tax bill to nothing.
  • Pensions offer a tax efficient method of transferring company funds into personal hands.
  • Our specialist IFA’s 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

Maintain your income in the event that you are unable to work through illness or injury. Our IFA offers 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.

Life Cover

Our IFA specialise in finding the right insurance to suit your individual needs as a Contractor and aim to provide this essential cover for you at an affordable price.

  • You can pay for life insurance through your ltd company and save tax on your premiums by opting for the specialist ‘Relevant Life Cover’ offered by our Life Insurance partner. This has replaced out of date ‘Keyman’ policies to offer a comprehensive, tax efficient life cover for Directors.
  • Life cover will normally pay out a lump sum but if you are worried about how your loved ones will cope with the challenge of investing these funds and budgeting then a family income benefit will pay them a manageable monthly income instead.

Critical Illness Cover

Critical Illness cover pays out a lump sum on diagnosis of a serious condition rather than on death so you can make use of the money whilst you recuperate.

  • It can help you fund changes to your car or home and help you keep your independence. Start to rebuild your life whilst knowing that the benefit payment is non-refundable, even if you return to full health.
  • Like life cover, you can arrange your critical illness policy to cover you for a fixed term such as to retirement or until the end of a mortgage.
  • Critical illness is best used in conjunction with Income Protection (Permanent Health Insurance) which will give you a monthly income if you are injured or become too ill to work and will continue to pay until you return to health

NISAs and Investments

NISAs offer flexible investments with options that are suitable for short, medium and long term needs. With most you can draw out your savings at any time.

  • You can invest up to £15,240 each year into a NISA account.
  • You can choose to invest in equity or cash within one flexible NISA.

Want more info?

If you would like to speak with one of our award winning contractor specialist financial advisors, complete the below request form and an expert adviser will be in touch shortly.

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