We can help you


Buying
a home

If you are considering buying your first home or moving to a new home.

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Remortgage
your home

Need a new mortgage? We are experts at getting you a better deal!

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Individual
buy to let

Let us find the most suitable deal for you when buying to let.

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Ltd company
buy to let

We learn how your company works to get the most suitable deal.

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We promise a friendly and professional service, where the journey of finding you the perfect mortgage will be done together.

Speak to an adviser and begin the journey with us now.

  • I can not thank Robin Taylor from CFM enough for all his time, effort and professionalism which he has showcased whilst helping me to secure a competitive mortgage.  As a professional myself working as a contractor I found the high street banks were struggling to understand my situation however Robin from CFM made the process seamless.  He always returned my calls, emails and kept me in the loop throughout the process always calling me at pre-agreed times to fit around my working pattern.

    Robin offers a free of charge service offering high quality advice up until a mortgage offer has been secured. Robin displayed fantastic customer service skills throughout and I would not hesitate to recommend him to my family and friends. It is refreshing to see someone so passionate about his role, Robin from CFM is a gold standard mortgage advisor. Thanks

    Harvy 

  • Becoming a contractor was always going to mean complications when it came to getting a mortgage. Banks have turned me away previously based on salary and my chances of getting a mortgage offer seemed almost impossible until I found CFM.

    CFM gave me a different way in and with years of experience to support their advice, I was given a new set of criteria to meet. A far more logical approach was taken and within no time at all, Robin from CFM presented a strong case to the lender, who promptly offered me my first mortgage with great terms and flexibility. CFM has a good sense of customer service, integrity and treats every case as an individual matter – there was no sense of being just a statistic like I would be on the high street.

    I would highly recommend this broker for all contractors looking for a hassle-free mortgage. Robin will take care of everything from inception to the final mortgage offer from the lender – and offers continued support and advice throughout the completion process – all part of the package. Worth every penny.

    Dominic

  • Contractor Friendly Mortgages helped me secure a great deal. Concerned with the outcome of Brexit, I wanted to secure a decent fixed rate over 5 years.

    They explained everything in detail, the pros and the cons. No pressure to take their recommendations, just straightforward, clear, understandable advice. I would highly recommend.

    Pete

  • I worked with Contractor Friendly Mortgages as first time buyers. Being born outside the UK, I had little knowledge of the process but thanks to them, it went very smoothly and fast.

    They were easy to reach and quick to respond for all my questions, and patiently explained everything to me clearly. They made me feel that I have a trustworthy partner on my side and I’d recommend them to anyone, especially fellow contractors.

    Basar

  • Robin has been fantastic in guiding me through arranging my first mortgage as a software contractor. He was very responsive throughout and found a fantastic rate for me with a high street bank, within months of my first contract.

    Brendan

  • If your a contractor looking for a mortgage I cannot recommend Robin highly enough. Robin took the time to explain each stage and worked relentlessly to find the right mortgage for me. As contractors will know finding a mortgage can be difficult but Robin made the process very simple and straight forward.Thanks again.

    Dale

  • As first time buyers Robin and his teams advice was invaluable, with my partner being self-employed and also wanting to use the help to buy scheme we had no idea what options were available to us. Robin is highly recommended, give him a call if you need professional and accurate advice.

    Adam

  • Robin and his team are really helpful and respond quickly, as a foreigner uk mortgage was new to me and they have been a great help and support all the way.

    Jean-Francois

  • I would like to say a big thank you to you and your team! Having heard the numerous horror stories of contractors trying to obtain a mortgage, the process was completely seamless. We were kept upto date throughout the process and you managed to find a mortgage offer that was exactly what we required. Thank you for the support and I would have no reservations in recommending you to anyone.

    Tom and Nina

  • Thank you very much for all your help and support with obtaining a mortgage for me. There was a lot of information that the mortgage lender needed to gather and the support you gave me in doing this was great.

    You responded quickly in your communications and were good at letting me know what the next steps were from the beginning to completion. A great service.

    Charlotte

  • It has been an absolute pleasure having Kathryn De Lorey working on our behalf to get us our mortgage. We found CFM online searching on google after having a hard time with other mortgage advisors trying to gain the correct advice on which mortgage to go with for our circumstances which resulted in us applying for a mortgage and not being offered enough as we didn’t meet their criteria.

    As soon as I spoke to Kathryn she made me feel at ease again about the mortgage application process which previously had been a nightmare 3 months with other companies. Kathryn was highly experienced and confident she could find us the right mortgage for our situation. Within a couple of weeks, we had gone from other mortgage companies telling us we could not get the mortgage we needed for our dream home to then speaking with Kathryn at CFM and receiving our mortgage offer. I highly recommend CFM they have been fantastic to work with from start to finish.

    Thank you to Kathryn and everyone at CFM.

    Mr & Mrs Lawson/em>

  • Thank you for all your help with the Mortgage. My experience with Contractor Friendly Mortgages has been seamless, effortless and professional. Kathryn and Jo kept me up to date with the process and you and the firm demonstrated a firm grasp on knowing the customer and meeting the need.

    Communication was clear and succinct and I felt involved throughout the course of obtaining the mortgage. I would refer CFM without being prompted to friends and family. Thanks again and carry on doing a great job. Wishing your firm every success in the future.

    Ian

  • Can I say thank you so much for the service I received from yourselves. I’ve been shouting CFM from the rooftops!!!!! I am referring all my friends and colleagues to you.

    Joe P

What are you waiting for?
 

What We Offer


  • 5% deposit options available

  • 5 x income multiples

  • Day rate used to calculate income

  • Over 15,000 mortgage deals available

  • Access to exclusive mortgage deals you can't get direct with the high street lenders

  • Mortgage borrowing based on contract rate

  • No accounts needed

  • Residential and buy to let specialists

  • Free initial advice

  • Government Help to Buy

Flat fee

We’re so confident we’ll get you a mortgage, you pay nothing if we fail to secure you one.

Experience

With over 10 years experience in the industry, our knowledge and expertise will help you get you the mortgage you deserve.

300% more

We take out the risk factor that makes banks and building societies hesitant to give you a mortgage.

Professional & efficient

Our service is specifically tailored to your busy lifestyle. You won’t be waiting days for a callback.

Who knew banks were getting it wrong?

The problems you have going to banks and building societies are gone when you are dealing with us, whether you’ve been contracting for 10 years or you started freelancing last week. Speak to one of our friendly advisers and start your exciting journey the correct way!


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Mortgage advice & recommendations

We have in-depth knowledge of the market, especially when it comes to self-employed workers and contractors; it’s our business.

By learning about you and the way you work, we will find the perfect mortgage for you, laying out the fine details and taking into account all the costs and features (even beyond the interest rate!). We also have exclusive deals with lenders that a bank or building society will not be able to provide. Once you have decided on a mortgage, we will even fill out the paperwork for you to help you get started on your new and exciting journey as soon as possible.

Get in the right key

Personal stories

I wish I went straight to Contractor Friendly Mortgages. When the bank turned me away I was worried I’d never be able to own a home, now I can keep doing what I love. I can’t wait to setup my new home office!


James

Meet James

James has been contracting for 6 months and is ready to purchase a house for his family.

Instead of seeking mortgage advice by coming to a company like us, he goes straight to the bank to see what kind of mortgage he can secure. Before he’s even able to have a look at what mortgages are available to him, the bank asks for at least 2 years of his limited company accounts before they can even look at any sort of mortgage funding. This makes James feel disheartened and stuck, which is the opposite to the feelings you should have when trying to buy your first home!

This is why we love our business: instead of basing his income on 2 years of your company accounts, we use bespoke contractor underwriting which will allow the bank to use the following calculation to work out James’ income. His company accounts show a salary of £10,000 per annum, he also takes a dividends of £30,000 per annum. The bank will then apply their standard income multiple of 4 or 4.5 times the income, meaning the maximum loan James will get is £160,000 – £180,000, which obviously is not enough.

When James came to us, we took his day rate of £400, multiplying that by 5 days a week, then at 48 weeks will give him an income of £96,000. If we then multiply this by 5, he is able to borrow up to £480,000, which is a 300% increase – compared with £160,000!

Your home may be repossessed if you don’t keep up repayments on your mortgage.

Some of our lenders


Contact us


If you’d like to know more about our services without the pressure of speaking to an adviser, please do not hesitate to get in touch. We know how daunting getting a mortgage can be, especially if you’re self-employed or a contractor. Use the form on the right and we will get back to you as soon as possible.

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Our Mortgage Guide


A FREE guide with advice you can depend on


Whether you’re buying your first home, buying to let, or remortgaging, this guide will help you understand the mindset you need to feel more confident about your financial decisions.

Get the guide for free here