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Self-Employed Mortgage | CMME Expert Help

Improve your chances of getting a self employed mortgage by getting the right help

There are many misconceptions around self-employed mortgages and the difficulties that people may face when trying to obtain mortgage funding.

In our 2020 research with IPSE, we found that self-employed homeowners had experienced unfair treatment by high street lenders because of their self-employed status.

CMME want to change that.

CMME are able to help the self-employed when it comes to obtaining a mortgage because of the bespoke underwriting arrangements that they have agreed with a wide range of lenders. We understand your employment status and the way in which you are paid, and we’ve helped thousands of professionals just like you, for over 15 years.

Many high street lenders do not fully understand your payment mechanisms and can discriminate against you, for this reason, resulting in a declined mortgage application, higher rates, or less borrowing availability.

Before arranging your mortgage there are many questions that you will want to be answered. Of course, you can get a mortgage broker on board to guide you, but it will be up to you to make the decisions.

  • How much can I realistically afford?
  • What type of mortgage should I choose?
  • How does the process work?
  • What obstacles am I likely to come across as a contractor?

As a self-employed borrower, you will have access to the same mortgage products as any other mortgage borrower. You can take a look at the best mortgage products that are on offer currently on our best buys table here.

Mortgages for the Self Employed:

  • Paperless processes to speed up the process
  • Bespoke underwriting agreements
  • Specialist expert advice from an experienced consultant
  • Mortgage products available from a wide range of lenders

You can use our mortgage calculator below to find out how much you can borrow





We would suggest that any self-employed person seeks specialist and expert advice when considering a mortgage to save time, stress, and money. If a high street lender declines your mortgage application due to the way in which you are paid or your employment status, this can make the process for a specialist mortgage advisor more difficult when it comes to submitting your mortgage application the second time.

You can download our full mortgage guide HERE

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