John Yerou

John Yerou, the founder and CEO of Freelancer Financials, has first-hand experience of the challenges and outdated biases that contractors face in securing mortgages. Unafraid to challenge the status quo, his disruptor mindset has made all the difference, spearheading a movement that has transformed the mortgage landscape for contractors and the flexible workforce. Advocating for change and working directly with lenders through his award-winning mortgage brokerage, he has helped reshape the industry's view of contractor mortgages.

uk.linkedin.com/in/johnyerou

Contractors, IR35 hasn’t forced Halifax to change its mortgage lending criteria

It’s nice to think lenders are watching the courts for direction on their customers’ status. Shame they aren’t.

4th August, 2021 | Comment

Contractors’ Questions: Do lower dividends hurt my mortgage chances as a limited company director?

The self-employed and vanilla variants won’t get close to the 4.49x annualised income that contractor mortgage brokers can offer you.

18th May, 2021 | Money

Santander’s new mortgage terms are a shoo-in for covid-hit contractors, right? Wrong

When the ‘good news for the self-employed’ in The Times isn’t quite what it seems.

5th May, 2021 | Comment

Contractors, here’s how you navigate the new mortgage landscape, post-Budget 2021

The shrewd who want property won’t listen to the mainstream media, but will use an interpreter for their contract income.

18th March, 2021 | Comment

Stamp duty holiday: the ramifications for contractors once it ends

An extension by the chancellor in March would make the housing market’s triple threat manageable.

2nd February, 2021 | Comment

Covid-19: What the mortgage holiday’s scary Halloween end means for contractors

Official support for homeowners runs out on Oct 31, the most frightening day in the calendar – this year more than most.

2nd September, 2020 | Comment

What a ‘mare! Bigger deposits are the next hurdle for contractor homebuyers

As lenders clear the field of 10% deposit mortgages, contractors can still use tactics to avoid getting boxed in.

11th June, 2020 | Money

How covid-19 is (still) affecting contractor mortgage lending

And will do well into the future. But thanks to the housing market’s official reopening, the diagnosis could be a lot worse.

3rd June, 2020 | Money

Contractors’ Questions: Can I furlough myself as a buy-to-let limited company director?

It may be the ‘hot coals’ for one PSC’s tax adviser but to use CJRS, the rest of his team might need embracing warmly.

28th May, 2020 | Coronavirus

Covid-19 mortgage holiday: Contractors, should you take the three-month payment break?

Freelancer Financials homes in on Rishi Sunak’s coronavirus help for householders. But as it’s from the chancellor, it’s not free.

7th May, 2020 | Comment