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! We don’t take a penny from you unless we secure the perfect mortgage for you and your family, get in touch now and start your new journey with us.

Speak to an Advisor

Coronavirus – We are open for business as usual, but working from home. Please contact us for any help/advice but more importantly- stay safe 🙂

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.

  • Contactor friendly mortgages, if my experience with Kathryn at CFM is anything to go by, their name would be a lot longer containing a lot more superlatives. Before talking to Kathryn, I spoke to many other contractor mortgage specialists but none would consider the whole of my income because they told me I wouldn’t be able to get a mortgage. Unlike the others, Kathryn did something very simple and very obvious, she spoke to the mortgage provider to see if she could arrange a mortgage for me. And it worked.

    It didn’t just end there, I and my family had our heart set on a new build but the developers were not taking off plan reservations and we didn’t know when. For the following three months after our initial conversation, Kathryn answered every small, possibly inane question about mortgages, buying houses and anything in-between.

    When we finally made an application Kathryn and Jo were very helpful. This is where Jo came into her own, when I, my accountant and Jo got rather tired of the mortgage provider’s demand for documentation that could not be provided. Jo convinced the mortgage provider that they had all they needed to make an offer and the following day I had my offer.

    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.

    Kathryn, I hope you continue to do well as a mortgage broker and anything else you may try, your attitude and approach deserves a good reward,

    Gurbhajan 

  • Having a number of peculiarities regarding my mortgage application I had used a number of brokers who basically gave up. Contacting CFM was my last throw of the dice and what a good throw that was.

    I was lucky enough to have Jo helping me with my mortgage. Jo is everything you need in an advisor, knowledgeable, enthusiastic and determined. She found a number of suitable lenders very quickly, she would keep me upto date regularly and helped me get things together when required.

    Getting a mortgage these days is never easy but Jo made it as simple as it ever will be. Thanks Jo for your professional approach.

    Thanks

    Allan Frost 

  • 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 

  • 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 

  • I have not only found the process simple, but as mortgages go, I have found it enjoyable. Jo and Megan have been amazing, very friendly and patient with me throughout. Jo has always taken the time to explain the process to me if I haven’t understood and I genuinely feel that Jo had my best interests in mind. Megan has been equally understanding with following up and making sure my documents were all in order. I found the online portal very easy to use and will definitely use as a selling point when recommending CFM in the future.

    Michael D

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