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

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

Products & Services

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.


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.


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.


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.

Social Activity

Limited company contractors earn high, but are tax-savvy. Great for 'take home', rubbish for getting finance. In-branch IFAs won't offer a contractor a mortgage their higher-than-average income deserves based on their low salary and dividend drawings.
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Can IT contractors get #mortgages based on income rather than accounts? Contractors working in the IT sector are in high demand. As a result, their earnings can eclipse the salary that employers pay permanent staff operating in similar roles. Yet on the
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C&F Mortgages are specialists in arranging mortgages for UK contractors and freelancers. Unlike traditional brokers, we do not penalise you when it comes to sourcing a mortgage, which is why we are the preferred choice for thousands of contractors and
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What's best as a contractor: take a pension drawdown and/or buy an annuity? There's a ton of misinformation about pensions out there on the internet, including what you can do with your pot and when you should do it. To complicate matters, there's no
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Lenders get it right; Osborne looks like getting it wrong. Contractors: beware! The fourth quarter of 2015 is proving to be a rollercoaster ride for independent professionals. One one hand, we have more #lenders than ever prepared to offer mortgages to
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Mortgages from Brokers who Actually Understand the Way Contractors Work! The government has requested outside help by way of review so that they can understand the way self-employed people work. Fair play. Asking for help is a sign of good leadership.
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