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As a contractor or independent professional it feels hard enough to get a mortgage let alone having different options when it comes to getting one.
However, we want our clients to have options when it comes to buying a house.
We believe you should have a choice when it comes to your mortgage and we have built relationships with lenders who will give you this choice.
At CMME, we believe in offering our clients different options to suit all needs. Whether you are taking your first steps on the property ladder or you are looking to remortgage your existing home we can help you find the best deal and supports you through the process.
Obtaining a mortgage can be a stressful process for anyone, so why not let us do the hard work for you.
Last year is over, let’s bring in the new with a mortgage from CMME and take advantage of a free no-obligation initial consultation!
Whether you’re looking at your first home, moving home or remortgaging, come and talk to the experts at CMME and get the mortgage you deserve this year.
More choice and better value for you. Meet our specialist lenders
Are you looking to buy your first home? As a first-time buyer getting on to the property ladder can be a big step, even bigger if you add the fact you are a contractor. However, our team of specialists are on hand to answer any questions no matter how big or small. We want you to get your keys as smooth and as hassle-free as possible.
Upsizing or relocating to a smaller property? As you have been through the process before you are probably aware of the problems that can crop up. You may not have finished your current mortgage deal and unaware of the options available. Leave us to take care of the difficult bits and you will be moved into your new home feeling refreshed.
Looking for a lower rate? Whether it is a different deal with the same lender, or a different lender altogether, we have access to a comprehensive range of mortgage deals and can confidently find you the best one for your circumstances. Leave the stress of trying to find a deal down to us and let us do the hard work.
Decided on a buy to let property? Our team has years of experience helping contractors to become successful landlords. They can secure a competitive rate for the purchase of your rental property. Looking for help on buying a buy to let through your limited company, we also specialise in finding the right deal for this too.
Have you always wanted to build your own home? We can help contractors secure mortgage funding to allow them to build, or customise their own home. Self-build contractor mortgages are available for all contracting professions.
Second Charge Mortgages or Secured Loans are quickly becoming part of mainstream lending. These types of loan use the borrower’s home as security, helping them to raise funds against their property for a wide range of purposes.
A contractor mortgage is likely to be the biggest financial commitment that you will ever enter in to. The process can be long and daunting, but one thing it does not have to be is difficult.
When lenders assess a contractor mortgage, they will want to verify income by seeing two to three year’s worth of accounts or tax returns. Lenders have not kept up with changes in the labour market, and their criteria, in many circumstances, fails to accommodate for the growing ranks of independent professionals.
Umbrella company contractors will find that many of their expenses will not be considered when calculating income. Limited company contractors will experience a similar problem, as any money retained in the company, for tax purposes, will also not be considered. Both ways of operating are likely to lead to less borrowing power.
Let us do the hard work for you, we understand the way you work and we’ll help you get the mortgage you deserve, regardless of your role.
Every independent professional is different and every mortgage is different. That’s why our Mortgages are always made to measure – handmade by our expert advisors, based on a deep understanding of your unique circumstances and needs. For us it’s all about listening carefully, asking the right questions and being ready to work hard on your behalf.
Like you, what we do depends on our experience, our expertise and the relationships we build. Our advisers are specialists in the field and dedicated to serving independent professionals – it takes time to learn how the market works and develop the skills required to find solutions that unlock real value.
If, like most people, your mortgage is your biggest financial commitment, it makes sense to ensure you’re on the best deal for your individual needs and financial circumstances. Plus, with the current uncertainly, securing a good deal now could mean you enjoy low rates in the longer term, whatever changes are to come. We will always fight for you.
We’re here to help contractors and other independent professionals get the mortgage they deserve. For your free, no obligation initial consultation, speak to your SJD accountant. Or call CMME directly on 01489 223 952.
Alternatively, fill in your details below and one of our Specialist Advisers will call you back at a time that’s convenient for you.
Overcome the hurdles with our expert advice, see what CMME can do for you.
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