Business Details
22 Years
experience
Trusted Mortgage Brokers for Contractors & Self-Employed Professionals
As the original contractor mortgage specialist, CMME has dedicated itself to supporting independent professionals since 2004. Our expertise lies in understanding the unique financial needs of self-employed individuals, freelancers, and contractors, ensuring they receive fair and competitive mortgage solutions. With over two decades of experience, we have cultivated strong relationships with specialist lenders across the UK, enabling us to offer tailored advice and access to a wide range of mortgage products. Our team of certified advisors works diligently to assess each client's circumstances, providing personalised guidance from initial consultation through to completion.We pride ourselves on transparency, ensuring no hidden fees or penalties for choosing an independent career path. Our technology-driven approach, combined with a consultative methodology, allows us to deliver efficient and agile service without compromising on quality. We are committed to advocating for our clients, negotiating hard to secure deals that reflect their true earning potential. Our dedication extends beyond mortgages, offering complementary services such as insurance and financial planning to support long-term stability. Recognised for our integrity and client-centric ethos, we continue to refine our processes to better serve the evolving needs of the independent workforce.
Services
Contractor Mortgages
First Time Buyer Mortgages
Remortgage Services
Buy to Let Mortgages
Self-Employed Mortgages
Mortgage Protection
Financial Planning
Conveyancing Services
Details
- Year established: 2004
Highlights and features
- We have over 20 years of experience in contractor mortgage solutions
- We work with 50+ specialist lenders for competitive rates
- Our bespoke underwriting process accommodates non-traditional income structures
- We provide transparent fee structures with no hidden charges
- Our advisors hold CeMAP certifications and industry-specific expertise
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Smart, responsive people
Great communication
First class
Highly recommended
Services
Contractor Mortgages
Specialist mortgage solutions for contractors and freelancers with non-traditional income structures. Our advisors understand the challenges faced by independent professionals when securing financing. We work with lenders who accept day-rate contracts, limited company dividends, and umbrella payroll income. Our bespoke underwriting process ensures fair assessment of borrowing capacity without penalising self-employment status.
First Time Buyer Mortgages
Tailored guidance for first-time homebuyers navigating the mortgage process. We simplify complex terminology and lending criteria through clear explanations and step-by-step support. Our service includes affordability assessments, deposit requirement analysis, and access to exclusive first-time buyer incentives. We specialise in helping contractors meet eligibility requirements through alternative income verification methods.
Remortgage Services
Expert remortgaging advice to secure better rates or release equity. We analyse existing mortgage terms, exit fees, and current market offerings to identify optimal savings opportunities. Our team handles valuation requirements, income verification, and lender negotiations for seamless transitions. We specialise in complex cases involving contractor income streams and limited company accounts.
Buy to Let Mortgages
Specialist financing for property investors with self-employed income structures. We connect clients with lenders offering competitive rates for rental property portfolios. Our service includes cashflow analysis, stress-testing for void periods, and portfolio structuring advice. We accommodate both individual and limited company buy-to-let applications with flexible income verification.
Mortgage Protection
Comprehensive protection packages to safeguard mortgage commitments against unforeseen circumstances. We offer income protection, life insurance, and critical illness cover tailored to contractor employment patterns. Our advisors ensure appropriate coverage levels that align with mortgage terms while considering variable income streams and tax-efficient structures.
People
Andy Craddock
Self Employed Mortgage Advisor
Certified mortgage advisor with 20 years' experience specialising in contractor finance. Holds CeMAP qualifications and maintains extensive knowledge of niche lending criteria. Provides tailored advice to self-employed professionals seeking residential and investment mortgages.
Kevin Kiley
Senior Mortgage Consultant
Experienced mortgage broker with 25 years in financial services, specialising in complex contractor cases since 2012. Recognised for resolving challenging applications involving short trading histories and non-traditional income structures. Holds advanced mortgage advisory certifications.
Paige Pink
Senior Mortgage Consultant
Qualified advisor with 8 years at CMME and 20 years' industry experience. Specialises in contractor, self-employed, and PAYE mortgage solutions. Holds advanced qualifications in mortgage planning and risk assessment for non-standard income cases.
Paul Williams
Senior Mortgage Consultant
Certified mortgage expert with 24 years' experience since graduating in 2000. Specialises in complex contractor cases requiring bespoke underwriting solutions. Maintains strong relationships with specialist lenders to secure competitive terms for non-traditional applicants.
Bradley George
Senior Protection Consultant
Protection specialist with 7 years' financial services experience. Focuses on mortgage-related insurance solutions for contractors, including income protection and life cover. Advises on tax-efficient structures for self-employed professionals.
Questions
Will I qualify for a mortgage as a contractor?
Yes, we specialise in contractor mortgages using day rates, limited company accounts, or umbrella payroll. Lenders assess income stability through contract history and tax documentation.
What documents do I need for a contractor mortgage?
Typically requires SA302 forms, tax overviews, current contracts, and bank statements. We advise on optimal documentation presentation to lenders.
Can I get a mortgage with only one year's accounts?
Yes, many lenders accept 12 months' trading history. We work with specialist providers who consider future contract earnings for income assessment.
How do you compare mortgage rates?
We access exclusive deals from 50+ lenders, including contractor-specific products. Our comparison considers total cost, flexibility, and suitability for self-employed income patterns.
What protection should I have with my mortgage?
We recommend income protection covering mortgage payments, life insurance matching loan terms, and critical illness cover. Policies are tailored to contractor employment structures.
Can I remortgage with a contractor mortgage?
Yes, we handle remortgages for contractors with existing specialist mortgages. We negotiate better rates while accommodating non-traditional income verification requirements.
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