Strategic collaboration gives UK contractors and flexible workers direct access to specialist mortgage solutions, bridging the gap between non-traditional earnings and mainstream lending.
ADVANCE, a leading provider of umbrella, payroll, and accountancy services to the UK recruitment industry, has announced a strategic partnership with specialist broker Cleerly.
The collaboration is designed to significantly enhance ADVANCE’s contractor support framework by eliminating the friction temporary workers face when securing a mortgage.
While the UK’s flexible workforce continues to drive crucial sectors of the economy, contractors, freelancers, and umbrella employees frequently encounter roadblocks when navigating the housing market.
Traditional high-street lenders often rely on rigid, automated underwriting processes that struggle to evaluate non-standard income models.
As a result, skilled professionals with strong, consistent earnings are regularly turned away simply because their pay is structured via day rates or contract assignments rather than standard employment payslips.
To address this challenge, ADVANCE has joined forces with Cleerly to provide its worker community with a direct bridge to contractor-friendly lending.
Cleerly’s dedicated advisors specialise exclusively in non-traditional income, working with a network of lenders who assess affordability based on contract value and daily rates rather than standard employment history.
The service offers end-to-end guidance, helping ADVANCE contractors present their financial profiles effectively and secure competitive mortgage rates tailored to their career choices.
Paul Havenhand, Managing Director at ADVANCE, commented:
“Choosing a flexible career path shouldn’t mean sacrificing the dream of homeownership. Far too many hard-working contractors hit a wall with mainstream lenders who simply don’t understand how modern temporary employment works.
By partnering with Cleerly, we are addressing this systemic issue head-on. Our workforce now gets direct access to financial experts who genuinely understand contractor income models. Cleerly knows how to position flexible earnings to the right lenders, ensuring our workers secure the borrowing power they deserve alongside genuine, specialist support every step of the way onto the property ladder.”
Michelle Turbutt, Partnership Manager at Cleerly, added:
“We’re delighted to partner with ADVANCE to make homeownership far more accessible for independent professionals. Getting a mortgage as a contractor can feel unnecessarily complex, but it doesn’t have to be. Working alongside a partner that shares our commitment to contractor welfare allows us to deliver tailored, practical solutions that suit each individual’s circumstances. We look forward to helping even more ADVANCE workers achieve their property goals with confidence.”
The new service is available immediately to all current and joining ADVANCE umbrella employees and agency contractors. To learn more about the partnership and access specialist guidance, visit cleerly.co.uk/partnerships/advance/.
