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Contractor Pensions
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Contractor Mortgages

Specialist contractor mortgage brokers Freelancer Financials can secure competitive rates for contractors. 

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Latest news

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There’s a slow tightening of the screw on the self-employed that might as well have eight consultancy giants at the handle end, and government policy as the torque.

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Whitehall government offices in London, representing public sector consultancy spending and IR35 reform
Written by Josh Toovey
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Contractor-turned-umbrella-company-body-CEO Chris Bryce outlines what’s deliverable, affordable and tangible in the new chancellor’s first budget, ranging from MSC reform and a statutory employment

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Autumn Budget 2026: FCSA’s 5 contractor asks of John Healey
Written by Chris Bryce
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First Point Group, Bowers Partnership, VIQU IT and Robert Walters tell ContractorUK why the PM’s dislike of video interviews doesn't map onto professional tech contracting, where virtual is

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Business professional using digital recruitment technology to review job candidates online
Written by Simon Moore
Summary

ContractorUK's investigation into historic contractor loan recalls has uncovered a regulatory question surrounding loans that were bought or administered in the Isle of Man.

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Isle of Man Civil Government Office in Douglas
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Urged to intervene against ‘HMRC cruelty’ in MSC cases, and U-turn employer NICs changes, chancellor John Healey is being called by SG, Re Legal and Caroola to fix the default of 'Inside IR

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HM Revenue and Customs offices in Westminster, London
Written by Simon Moore
Summary

Not every umbrella that underpays HMRC is doing the same thing wrong — and Joint & Several Liability doesn’t treat all three scenarios the same way.

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Hands stopping a row of falling dominoes, representing umbrella company tax and supply chain risk.
Written by Andy Chamberlain
Summary
The Commercial Payments Bill avoided the usual fate of promising legislation — getting butchered by the Lords and sent back watered down.
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Businessman checking invoices beside an hourglass
Written by Adam Home
Summary

HMRC is consulting until Sunday on plans to make Direct Debit mandatory for VAT and PAYE payments, hitting contractors paid on agency terms of 30-60 days.

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HMRC website displayed on a smartphone in a person’s pocket
Written by Carl Bridges
Summary

HMRC’s recent focus on ‘reckless’ tax offences is a blunt instrument that risks tarring legitimate contractors with the same brush as tax evaders, warns SG Accounting’s Daniel Mepham.

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Businessman carrying a briefcase walking across a road
Written by Daniel Mepham
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The former Felicitas director says contractors were never supposed to be pursued for the full face value of their loans — and reveals that Felicitas cancelled at least one loan after conclu

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Historic loan documents and correspondence laid out on a desk
Summary

After June's heatwave-linked dip, IT contractor demand is back in growth — its best month in nearly three years.

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Businesspeople travelling on escalators in a busy office building
Written by Simon Moore
Summary

UK IT contracting isn't shrinking, but it is getting pickier.

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IT professional working in a London office
Written by Nicholas Tsappis
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As LinkedIn users herald a ‘quiet comeback’ in outside IR35 contracting, Reed's head of contract IT hiring Kelly Macey sets the record straight, and explains what's actually behind 2026's rise in o

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Business consultant presenting a technology project to colleagues during a client meeting.
Written by Kelly Macey
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Auto enrolment quietly sorts pensions for employees. Contractors get nothing of the sort, and fewer than one in five of the self-employed now saves into one at all.

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Professional sitting at a desk with a laptop and paperwork, reflecting on financial planning and pension decisions.
Written by Lottie Hutchins
Summary

Got an HMRC loan charge settlement letter?

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Person reviewing an official document with a pen before signing.
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ContractorUK investigates how the alleged rights to thousands of historic contractor loans passed between private companies — and why the paper trail proving who owns them today is missing.

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Last notice legal action letter on a desk with financial documents overlooking the City of London, representing loan charge recall demands and contractor tax disputes.
Summary

IR35, employment status, security clearance: IPSE's Joshua Toovey outlines the five tests Andy Burnham's government must pass in its first 100 days to earn contractors' trust.

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Professional carrying a briefcase near the Houses of Parliament in Westminster, London.
Written by Josh Toovey
Summary

Sir Keir Starmer's property-buying reforms appear locked in, but new PM Andy Burnham's instincts point somewhere else entirely.

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Estate agent 'For Sale' sign on a residential street in the UK, illustrating housing policy and the property market.
Written by John Yerou
Summary

Markel Tax’s David Harmer unpacks how a mix-up between day rate and drop rate underpins an employment tribunal's ruling, with six key takeaways for contractors concerned about worker status and IR3

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Courier standing beside a delivery van holding a parcel before making a delivery.
Written by David Harmer
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Digital ID dropped, Palantir in the cold, a UK-AI focus and a VPN clampdown — plus the tax reversal that could revive contractor hiring under PM Andy Burnham.

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Business professional using a laptop outside the Houses of Parliament, representing UK technology policy and digital government.
Written by Simon Moore

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