C&F Mortgages
Mortgage Brokers
C&F Mortgages
Avondale House, Pinner
# C&F Mortgages
C&F Mortgages is an independent mortgage broker specialising exclusively in contractor and freelancer mortgages. Based in Pinner, the firm addresses a critical gap in the mortgage market where traditional High Street lenders routinely reject self-employed professionals despite earning substantial incomes.
The company serves limited company contractors, freelancers and umbrella company workers who struggle with conventional mortgage applications. High Street advisors typically focus on take-home pay, which accountants deliberately minimise through tax-efficient structures. This creates a catch-22: clients earn well but appear low-earning on paper, resulting in automatic rejection. C&F Mortgages solves this by using contract rates rather than declared income as the basis for underwriting.
What sets C&F apart is their whole-of-market independence and specialised underwriting knowledge. Unlike affiliates or restricted panel brokers, they've negotiated direct access to underwriters who understand contractor taxation. This allows them to package applications strategically, eliminating irrelevant documentation like trading accounts and tax returns that confuse traditional lenders.
Their approach is streamlined and efficient. Applications typically require just a contract, CV, bank statements and proof of ID—not the extensive paperwork High Street branches demand. By speaking the language of both accountants and underwriters, C&F Mortgages removes the friction that makes contractor mortgages unnecessarily difficult.
C&F Mortgages is an independent mortgage broker specialising exclusively in contractor and freelancer mortgages. Based in Pinner, the firm addresses a critical gap in the mortgage market where traditional High Street lenders routinely reject self-employed professionals despite earning substantial incomes.
The company serves limited company contractors, freelancers and umbrella company workers who struggle with conventional mortgage applications. High Street advisors typically focus on take-home pay, which accountants deliberately minimise through tax-efficient structures. This creates a catch-22: clients earn well but appear low-earning on paper, resulting in automatic rejection. C&F Mortgages solves this by using contract rates rather than declared income as the basis for underwriting.
What sets C&F apart is their whole-of-market independence and specialised underwriting knowledge. Unlike affiliates or restricted panel brokers, they've negotiated direct access to underwriters who understand contractor taxation. This allows them to package applications strategically, eliminating irrelevant documentation like trading accounts and tax returns that confuse traditional lenders.
Their approach is streamlined and efficient. Applications typically require just a contract, CV, bank statements and proof of ID—not the extensive paperwork High Street branches demand. By speaking the language of both accountants and underwriters, C&F Mortgages removes the friction that makes contractor mortgages unnecessarily difficult.
Services offered
Contractor mortgagesFreelancer mortgagesLimited company mortgagesUmbrella company mortgagesMortgage brokerageFinancial underwritingIR35 compliant lendingContract-based mortgage applications