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Don’t settle for expensive self certification mortgages! Save yourself THOUSANDS by talking to us today.

Have you ever been turned down for a prime rate mortgage because you don’t fit the standard employment ‘profile’ that most mortgage lenders feel comfortable working with? The average contractor earns way more than any full time employee, so why should you be penalised for having an irregular source of income or choosing to structure it in the most tax efficient way?

C&F mortgages were formed by a team of ex-contractors and freelancers. We know EXACTLY how it feels to waste time with traditional brokers trying to explain how your income is derived, only to be offered a selection dire self certification mortgages with ludicrous monthly payments.

We work with the following trading structures

  • Single director limited companies
  • Husband and wife  limited companies
  • PAYE umbrella company contractors
  • Self employed (annual self assessment only) contractors
  • Partnership (annual self assessment only) contractors
  • Limited Liability Partnership (LLP) contractors
  • Employee Benefit Trust (EBT) contractors
  • Plus many others

We are EXPERTS in all things freelance…

Each new customer that’s been referred to us has an all too familar story to tell. Most have already invested time (and sometimes money) going through the painful process of applying for a mortgage with a high street lender, only to be left disappointed with what they’re eventually offered.Each new customer that’s been referred to us has an all too familar story to tell.

Because we understand first hand what it means to work freelance in this country, we have been able to agree bespoke underwriting terms with several mainstream lenders, whilst giving you access to the whole of the mortgage market.

We provide simple, honest and straightforward advice. So if you really do want the best chance of securing a competitive ‘prime rate’ mortgage, get in contact with us today for a FREE, impartial 30 minute consultation.

Thanks for taking the time to read this page. We look forward to hearing from you.

The C&F Mortgages Team.

Company Details:

Site owned and run by:
C&F Marketing Ltd
Avondale house,
262 Uxbridge Rd,
Middlesex, HA5 4HS

Company number: 07466504
Data Protection number: Z2105703
Email: office@contractormortgages.com
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exclusive discounts & promotions

  • Private Medical Insurance

    Private Medical InsuranceAs a self employed contractor or freelancer, if you fall ill and are unable to work, it's going to cost YOU money. We've teamed up with one of the leading providers of health insurance in the UK to provide you with preferential rates on a range of 'contractor specific' health plans, aimed at getting you & your family the best possible medical care.
  • FREE Business Bank Account

    FREE Business Bank AccountAre you tired of paying £500 a year for your business bank account? Together with our banking partners Cater Allen, we have negotiated an EXCLUSIVE offer to readers of our website. For a limited period only, we can provide a FREE business bank account with NO MINIMUM BALANCE required. Apply online today.
  • Discounted IR35 Insurance

    Discounted IR35 InsuranceAn IR35 investigation could cost you THOUSANDS in backdated interest, tax and penalties, let alone the legal fees to represent you. The Qdos tax liability policy covers the legal fees AND any tax loss suffered as a result of an IR35 investigation. Use code QB4WRDTS for a 7.5% discount on ANY Qdos tax enquiry and IR35 insurance product.

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