C&F Mortgages focuses on helping contractors and freelancers acquire prime rate mortgage financing, by negotiating realistic rates for our self employed clients with mainstream lenders. Typically, prime rate mortgages are difficult to acquire for contractors and freelancers from high street lenders, as many lenders refuse to recognise their non-traditional methods of receiving payment. We have overcome that bias, with lending criteria based solely upon the client's contract rate.

Serviced Areas

  • United Kingdom only

Contact Details

  City City of London
  Postcode HA5 4HS
  Address Avondale house, 262 Uxbridge Road, Hatch End
  Phone Number 020 8421 7788

Products & Services

Income Protection

Contractor income protection does not work in the same way as, say, sick pay does for permanent employees. For anyone who works for themselves, the buck stops with them. Without cover, no work means no income.

Life Insurance

There are two types of standard life cover for contractors and freelancers. They are term assurance and whole of live cover. In essence, this type of cover replaces the death in service benefits that direct employees enjoy.

Moving house

One of the (happy) consequences of being a contractor is earning more money than you did as a permie. When you retain more of that income too, home ownership possibilities appear endless. It seems feasible, then, that the first investment many contractors consider is moving to a bigger home.

First Time Buyer

Buying your first home should be an exhilarating ride. Yes, you should expect ups and downs. But in the end, it should be a satisfying trip and one you can't wait to take again.

Customer Testimonials

Professional, competitive, efficient, dedicated and go the extra mile to provide a service that is second to none. I felt that they had my best interest at heart, I'll definitely be using you again in the future.

When I received June's email saying that when she had updates she would let me know and not to chase her she was true to her word and her level of service was impeccable!

I've been using John and his team for almost a decade now. He gives accurate, relevant and straight forward advice. Pleasant to deal with and genuinely interested in what is best for the customer.

From Our Website

C&F Mortgages' sole purpose is to provide contractors and freelancers access to mortgage borrowing. We help self-employed professionals get onto the property ladder where the High Street fails[1]. As an independent professional, you'll incorporate a limited company to act as your payment structure. That will include registration and taking out necessary contractor insurances. You may need indemnities and protection cover to ensure you're protected as a business. But take this 'proof of earnings' to a High Street mortgage lender and the opposite is true.