Are you self-employed
or a contractor?

We can help you borrow up to 300% more on your mortgage


Even if you’ve recently left a full-time job of 10 years to start your own business! Our specialty is helping self-employed professionals secure the perfect mortgage.

With combined experience of over 40 years, our consultants are true experts in their field. We guarantee you will find our process straight forward, professional, and more importantly friendly!

Get in touch now and start your new journey with us.

Book a free consultation

We can help you


Buying
a home

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

Learn more

Remortgage
your home

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

Learn more

Individual
buy to let

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

Learn More

Ltd company
buy to let

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

Learn More

Fantastic experience from start to finish. Our mortgage broker, Kathryn was incredibly professional and thorough during the entire process. She managed to secure us an almost unheard of deal with a top bank in the middle of a global pandemic.

Xander Ettling

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 up to 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

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

I wish I knew more contractors looking for mortgages to recommend them and even wish I could move again as the CFM team made applying for a mortgage a very pleasant and easy experience. Excellent work from Kathryn and the team.

Gurbhajan


Many thanks to Stuart Rhodes and the CFM team! They deserve more than 5 stars for a very easy and non stressful process for getting a mortgage. I strongly recommend contacting Contractor Friendly Mortgages if you have a non-standard situation
They got us a  very good rate after the majority of Banks didn’t find us eligible because of our non-standard situation: 2 years in the UK, 1 year LTD and one active contract in EUROS.

Catalina Lancu

What are you waiting for?See more reviews

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