Business Details
22 Years
experience
Expert Contractor Mortgage Brokers in Whiteley
CMME has been dedicated to supporting independent professionals since 2004, specialising in tailored mortgage solutions for contractors, freelancers, and self-employed individuals. Our approach prioritises understanding each client's unique circumstances, leveraging deep market knowledge and relationships with specialist lenders to secure competitive rates. With over two decades of experience, we challenge traditional lending criteria to ensure our clients receive fair treatment and access to homeownership opportunities.Our team combines technical expertise with a client-first ethos, offering transparent advice and end-to-end support throughout the mortgage journey. We maintain regulatory compliance as an FCA-authorised firm while continuously refining our processes to deliver efficient, personalised service.
Services
Contractor Mortgages
First Time Buyer Mortgages
Remortgage Services
Buy to Let Mortgages
Self-Employed Mortgages
Mortgage Calculators
Protection Insurance
Financial Advice
Conveyancing Services
Mortgage Rate Comparisons
Details
- Year established: 2004
Highlights and features
- We specialise in contractor mortgages with 20+ years' experience
- Access to exclusive lender partnerships unavailable through high-street banks
- Personalised underwriting that values contract income fairly
- Dedicated mortgage consultants with industry-specific expertise
- End-to-end support from application to completion
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Smooth process
Expert advice
Responsive team
Competitive rates
Services
Contractor Mortgages
CMME pioneered contractor-specific mortgage solutions, understanding income structures beyond traditional PAYE frameworks. We assess applications using day-rate calculations and contract history rather than standard accounting metrics. Our brokers negotiate with lenders who recognise the value of contract income streams, providing access to competitive rates previously unavailable to self-employed professionals. This service includes tailored advice for limited company directors, umbrella employees, and freelance workers across multiple sectors.
First Time Buyer Mortgages
Our first-time buyer service simplifies property acquisition for contractors entering the housing market. We explain mortgage options clearly, assist with affordability calculations using contract rates, and provide ongoing support through the purchasing process. The team helps clients understand deposit requirements, government schemes, and how to present contract income effectively to lenders while maintaining regulatory compliance.
Remortgage Services
CMME's remortgage specialists analyse existing deals to identify savings opportunities for contractor clients. We assess equity positions, current rates versus market offerings, and individual circumstances to secure improved terms. Our service includes managing exit fees from existing lenders and negotiating new contracts that properly value contract income streams rather than traditional employment metrics.
Buy to Let Mortgages
We provide tailored buy-to-let solutions for contractor landlords, assessing applications based on projected rental income and contract history rather than standard employment verification. Our brokers access specialist lenders offering competitive rates for property investors, with expertise in structuring mortgages that reflect the unique income patterns of self-employed professionals.
Mortgage Calculators
CMME offers online calculators specifically designed for contractors, including day-rate mortgage calculators and remortgage comparison tools. These resources help clients estimate borrowing potential based on contract terms rather than traditional income verification methods. The tools provide preliminary affordability assessments while explaining key mortgage metrics relevant to non-standard employment structures.
People
Kevin Kiley
Senior Mortgage Consultant
With 25 years' experience in financial services and mortgage broking, Kevin specialises in complex contractor cases. He previously worked in corporate banking before joining CMME in 2012, bringing extensive knowledge of specialist lending criteria and underwriting processes for non-standard income structures.
Paige Pink
Senior Mortgage Consultant
Paige has over 20 years' experience in financial services, including 8 years at CMME. She specialises in contractor, self-employed, and PAYE mortgage cases, focusing on finding solutions for clients with complex income arrangements through her understanding of specialist lender requirements.
Kevin Vella
Senior Mortgage Consultant
Specialising in remortgage advice, Kevin has 8 years' experience as a whole-of-market broker. He helps clients secure better rates by leveraging his knowledge of contractor-specific lending criteria and maintaining relationships with specialist lenders offering competitive remortgage products.
Kirsty Geddes
Senior Mortgage Consultant
With over a decade in financial services, Kirsty has extensive experience helping diverse clients navigate mortgage applications. She focuses on understanding individual circumstances to match clients with appropriate lender criteria, particularly for those with non-traditional employment structures.
Andy Craddock
Self Employed Mortgage Advisor
Andy has advised on contractor mortgages since 2004, joining CMME in 2011. His expertise covers complex income verification for self-employed professionals, with a focus on presenting applications in ways that meet specialist lender requirements while maintaining regulatory compliance.
Questions
Will I qualify for a mortgage as a contractor?
Qualification depends on your current contract, work continuity, and income verification through SA302s or trading accounts. We assess applications using gross contract rates rather than traditional employment metrics.
What mortgage rates can contractors expect?
Contractors now access similar rates to PAYE employees through our specialist lender partnerships, with no automatic penalties for non-traditional employment structures when applications are properly presented.
How does the mortgage application process work for contractors?
We evaluate your gross contract rate, verify income through tax documents, and present applications using specialist underwriting criteria that properly value contract income streams.
Can I get a mortgage with only one year's accounts?
Yes, we help clients with short trading histories by leveraging lenders that accept day-rate calculations and contract continuity rather than extensive accounting records.
Do you charge extra fees for contractor mortgages?
No, our standard advisory fees apply regardless of employment structure, with no additional charges for specialist underwriting requirements.
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