HOW DOES A CONTRACTOR GET A MORTGAGE?

Explore specialist mortgages for contractors & IR35 with tailored advice to fit your income

Find The Best
Mortgage Deals

Limited company or inside IR35? We find contractor-friendly mortgage deals. CMME Brokers specialise in contractor mortgages, providing tailored solutions and expert advice, regardless of your IR35 status. Our brokers understand the complexities of contractor income and can connect you with the right lenders.

Limited company or inside IR35? We find contractor-friendly mortgage deals. CMME Brokers specialise in contractor mortgages, providing tailored solutions and expert advice, regardless of your IR35 status. Our brokers understand the complexities of contractor income and can connect you with the right lenders.

  • Fran



    Stacey and her team have been extremely helpful and responsive during this process. They have been consistently on the ball during the entire process, making sure we were always up to date with relevant updates. Buying a property is a stressful process, but working with Stacey definitely made the whole process significantly easier. I would definitely recommend and would use her services again.

    Great service, would definitely recommend






  • Really recommend Paige at CMME. I have Used Paige for the past couple of years every time my Mortgage is due and she helps me understand all the different offers available to myself and make the whole process as easy as possibly. Thank you for your help Paige.

    Paige at CMME - Outstanding





    Gemma



  • Ben and his team at CMME provide a great service; this is the 3rd time I have used them for my mortgage. Great attention to detail and always looking for the best deal Would happily recommend anyone to them who are looking for a new mortgage or remortgage.

    Phil



    Ben and CMME team - amazing




  • Mike



    Mortgage port and top-up to new house






    Kirsty and the team at CMME were incredibly helpful from the initial consultation about the feasibility through to the final arrangement of the mortgage. The online platform uploading for uploading supporting documents is very easy to use and makes the process very efficient. I could not recommend Kirsty and CMME highly enough.

Meet our specialist lenders

Meet our specialist lenders

A CMME advisor will call you back for a no-obligation free initial consultation


Access to some of the most competitive and exclusive contractor mortgage rates in the market.

Borrow based on all sources of your income, including limited company and inside IR35 contracts.

Experts in complex income servicing over 100,000 clients over 18 years


CMME offers expert advice for contractors, freelancers and the self employed



Contractor mortgage brokers dedicated to securing mortgages that match your circumstances



CMME contractor mortgages are always made to measure – put together by our expert advisors, based on a deep understanding of your unique circumstances and needs as a contractor. For us it’s all about listening carefully, asking the right questions and being ready to work hard on your behalf.



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. Especially if you are a contractor.   



Plus, with the current uncertainty, it’s more important than ever to explore your mortgage options. Get the right mortgage today and enjoy competitive rates in the long term, whatever changes are to come. Because CMME brokers help find specialist contractor deals



Why Choose CMME?

Your Mortgage Made Simple

We take the complexity out of the process for contractors, including those working inside IR35. Because we understand every person is different and every mortgage is different. That’s why our contractor mortgages are always based on specific advice for your unique situation


Mortgages Made To Measure

Our brokers are specialists in the field and dedicated to serving independent professionals – that’s why we’re able to ensure every mortgage is tailored to your individual needs, including your IR35 status and financial history.


An Easier Way To See Your Mortgage Options

Speak to CMME experts and brokers  today to get the best possible deal. Because at CMME we ensure you get the right contractor mortgage without the hassle of searching for yourself.




A CMME advisor will call you back for a no-obligation free initial consultation


Access to some of the most competitive and exclusive contractor mortgage rates in the market.

Borrow based on all sources of your income, including limited company and inside IR35 contracts.

Experts In Self Employed mortgages, servicing over 100,000 clients over 18 years.

CMME offers expert advice for contractors, freelancers and the self employed


Contractor mortgage brokers dedicated to securing mortgages that match your circumstances



CMME contractor mortgages are always made to measure – put together by our expert advisors, based on a deep understanding of your unique circumstances and needs as a contractor. For us it’s all about listening carefully, asking the right questions and being ready to work hard on your behalf.



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. Especially if you are a contractor.   



Plus, with the current uncertainty, it’s more important than ever to explore your mortgage options. Get the right mortgage today and enjoy competitive rates in the long term, whatever changes are to come. Because CMME brokers help find specialist contractor deals.





Why Choose CMME?

Your Mortgage Made Simple


We take the complexity out of the process for contractors, including those working inside IR35. Because we understand every person is different and every mortgage is different. That’s why our contractor mortgages are always based on specific advice for your unique situation


Mortgages Made To Measure


Our brokers are specialists in the field and dedicated to serving independent professionals – that’s why we’re able to ensure every mortgage is tailored to your individual needs, including your IR35 status and financial history.



An Easier Way To See Your Mortgage Options


Speak to CMME experts and brokers  today to get the best possible deal. Because at CMME we ensure you get the right contractor mortgage without the hassle of searching for yourself.


Whether you’re inside IR35 or operating through a limited company, we’re here to help you get the mortgage you deserve. Call us or fill in your details below and one of our Specialist Advisers will call you back at a time that’s convenient for you.

Find Your Best Deal Today
Monday to Thursday, 9 am-7 pm
and Friday, 9 am-5.30 pm.

Your property may be repossessed if you do not keep up repayments on your mortgage.

CMME is a trading name of CMME Mortgages and Protection Limited part of the Onedome Group. Authorised and regulated by the Financial Conduct Authority (FCA reg. 414798). Registered in England No. 04886692. Registered Office: 3 Turnberry House, 4400 Parkway, Whiteley, Hampshire, PO15 7FJ. Please be aware that Commercial Mortgages, Overseas Mortgages and some Buy To Let Mortgages are not regulated by the Financial Conduct Authority. Calls may be recorded for training and security purposes and to improve the quality of our services.

CMME Mortgages and Protection Limited, Copyright 2025.

Whether you’re inside IR35 or operating through a limited company, we’re here to help you get the mortgage you deserve. Call us or fill in your details below and one of our Specialist Advisers will call you back at a time that’s convenient for you.

Find Your Best Deal Today
Monday to Thursday, 9 am-7 pm
and Friday, 9 am-5.30 pm.

Your property may be repossessed if you do not keep up repayments on your mortgage.

CMME is a trading name of CMME Mortgages and Protection Limited part of the Onedome Group. Authorised and regulated by the Financial Conduct Authority (FCA reg. 414798). Registered in England No. 04886692. Registered Office: 3 Turnberry House, 4400 Parkway, Whiteley, Hampshire, PO15 7FJ. Please be aware that Commercial Mortgages, Overseas Mortgages and some Buy To Let Mortgages are not regulated by the Financial Conduct Authority. Calls may be recorded for training and security purposes and to improve the quality of our services.

CMME Mortgages and Protection Limited, Copyright 2025.