C&F Mortgages

General information

Over the last decade, our team of contractor-friendly independent advisers have helped over 1,500 contractors secure a mortgage.

We're overtly aware of your frustrations, traipsing High Streets for hours, yet unable to find a lender who'll consider your limited company or umbrella status.

As soon as you mention 'drawing dividends in lieu of salary' or explaining that your net pay is so low to optimise tax efficiency, many in-branch advisers' eyes glaze over and that familiar sinking feeling hits the pit of your stomach again.

Don't panic. We've spent thousands of hours around negotiating tables with lenders successfully arguing the case for contractors like you. Your mortgage affordability cannot be appraised on your P60 or from the net pay demonstrated in your accounts.

Rather, it's your signed contract that should form the basis of your mortgage affordability. If you want to work with a mortgage provider who understands contracting and works with lenders who do likewise, your search ends here.