Business Details
22 Years
experience
Your Trusted Mortgage Partner for Independent Professionals
At CMME Mortgages & Protection, we are dedicated to supporting the UK's growing community of independent professionals. Since our launch in 2004, we have specialised in providing tailored mortgage solutions for contractors, freelancers, and self-employed individuals. Our approach is rooted in understanding the unique financial circumstances of our clients, ensuring that their independent working status does not hinder their ability to secure competitive mortgage deals. We work closely with leading specialist lenders to offer a wide range of mortgage products, including first-time buyer mortgages, remortgaging, buy-to-let options, and second charge mortgages. Our team of experienced advisors is committed to delivering a personalised service, guiding clients through every step of the mortgage process with expertise and transparency.We pride ourselves on our deep industry knowledge, innovative methodologies, and the relationships we build with our clients, ensuring that we can negotiate hard on their behalf. Our mission is to empower independent professionals to achieve their property goals, providing them with the same opportunities as traditionally employed individuals. We are proud to be part of the Onedome Group and are authorised and regulated by the Financial Conduct Authority, ensuring the highest standards of service and compliance.
Services
Contractor Mortgages
First Time Buyer Mortgages
Remortgage Services
Buy to Let Mortgages
Contractor Insurance
Financial Advice
Protection Services
Details
- Year established: 2004
Highlights and features
- We specialise in contractor and self-employed mortgage solutions with over 20 years of experience.
- Our team works with leading specialist lenders to secure competitive mortgage rates.
- We offer a personalised, made-to-measure service tailored to individual circumstances.
- We provide holistic financial advice, including protection and insurance products.
- Our advisors are experts in navigating complex income structures for independent professionals.
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Smooth process
Knowledgeable advisors
Tailored solutions
Successful outcomes
Services
Contractor Mortgages
We provide tailored mortgage solutions for contractors and self-employed professionals. Our expertise lies in understanding non-traditional income structures to secure competitive rates. Clients benefit from access to specialist lenders and a streamlined application process. Our service ensures fair treatment for independent workers seeking property financing.
First Time Buyer Mortgages
Our first-time buyer mortgages help new purchasers navigate the property market with confidence. We offer guidance on affordability, deposit requirements, and lender criteria. Clients receive personalised support to simplify the complex buying process. This service is designed to make homeownership accessible for independent professionals.
Remortgage Services
We help clients secure better mortgage deals through remortgaging. Our advisors analyse current agreements to identify savings opportunities. The service includes market comparisons and negotiation with lenders. Clients benefit from reduced rates and improved terms tailored to their financial situation.
Buy to Let Mortgages
Our buy-to-let mortgages cater to property investors with flexible income structures. We provide guidance on rental income assessments and portfolio management. Clients gain access to competitive rates for investment properties. The service includes tax efficiency advice and market trend analysis.
Contractor Insurance
We offer insurance products tailored to contractors' unique needs. This includes life cover, income protection, and critical illness policies. Our advisors ensure comprehensive protection against unforeseen circumstances. Clients receive bespoke solutions to safeguard their financial future and family security.
People
Andy Craddock
Self Employed Mortgage Advisor
With over 15 years of experience, Andy specialises in contractor mortgages. He joined CMME in 2011 and provides expert advice on complex income structures. His knowledge ensures clients receive tailored mortgage solutions.
Kevin Kiley
Senior Mortgage Consultant
Kevin brings 20+ years of mortgage expertise, specialising in contractor cases. He has worked with CMME since 2012, helping clients with complex financial situations. His experience ensures effective solutions for challenging cases.
Paige Pink
Senior Mortgage Consultant
Paige has over 20 years in financial services and 8+ years at CMME. She specialises in contractor, self-employed, and PAYE mortgages. Her expertise ensures accurate lender assessments for diverse income types.
Questions
Will my contractor status affect mortgage eligibility?
We specialise in contractor mortgages and work with lenders who understand non-traditional income structures. Your eligibility is assessed based on contract terms and financial stability.
What mortgage rates can contractors expect?
Contractors receive competitive rates comparable to PAYE employees. We work with specialist lenders to ensure fair treatment and access to current market rates.
How does the mortgage application process work?
We guide clients through document submission, lender selection, and application submission. Our advisors handle contract assessments and income verification to streamline approvals.
Do you offer buy-to-let mortgages for contractors?
Yes, we provide buy-to-let mortgages tailored to contractors' income structures. Our advisors help assess rental income potential and secure suitable investment deals.
What protection products are available?
We offer life insurance, income protection, and critical illness cover designed for contractors' unique circumstances. These products safeguard against income disruption or health issues.
Videos
Reviews (7)
Joy Daniel
Jan 22, 2022
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I have a good and trustworthy account manager that allows me to withdraw my profits anytime I want and I can monitor everything going on in my account when she is busy trading with her expert team and I don't have issues with pending withdrawals. I must admit that Mrs loyce green is a very honest woman. I have no way of thanking her than letting people know about her services and recommend her for everyone to trade on her platform. she 100% accurate and up-to-date. Kindly contact her WhatsApp: +1(512)387-9905 Email: loycegreen116@gmail.com
Orma Chie Onu
Jan 22, 2022
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I saw so many positive reviews about Mrs Morris Bertha russel and I must confess that surely his a skilled professional trader and the best among all as his clients all said, he managed my account after I Invested $1000 and got a successful withdrawal of $15,200 within few days of my investment, up-till now am still so shocked and surprised "It… always seems impossible until it’s done with Mrs Morris Bertha your hard-earned money is 100% secured/Safe trust me you have nothing to lose or to be scared of at all, You can contact her via WhatsApp:+1 (669) 304-2828 Email:morrisbertha45
Rifkatu Barka
Nov 27, 2021
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I almost gave up with trading when I met MRS ARIELLA CRYPTO through a friend who directed me to her. she is a reliable trading expert,trusted with a legit trading platform. I started my first trade with just $1000 and earned $9600 in 7days and now amazingly, I am already trading in thousands of dollars. ma, I want to say a very big thank you for… restoring and increasing my bankroll when I was totally bankrupted by Fake experts out there. I won't get tired recommending your honesty and reliability to the public because you deserve more of this for your honest works. To my friends and acquaintance
Ian Coulter
Jul 15, 2021
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Positive:Professionalism,Responsiveness,Value
CMME have been excellent to deal with, very professional and attentive. I I would particularly like to thank Stacey De'Athe and Molly Dix, they have both been extremely helpful and explained everything in great detail. If you're a seafarer or contractor in need of a mortgage, I can't recommend CMME enough.
CMME have been excellent to deal with, very professional and attentive. I I would particularly like to thank Stacey De'Athe and Molly Dix, they have both been extremely helpful and explained everything in great detail. If you're a seafarer or contractor in need of a mortgage, I can't recommend CMME enough.
Jeb Trotter
May 19, 2021
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Couldn’t recommend CMME more, after struggling for years trying to get a mortgage as a contractor, Paige and Elise at CMME made the process quick and easy. I am now a happy homeowner!
Graham Naismith
Jan 15, 2021
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Even in these times of Covid, I have so little time and so much to do. Contractor Financials who I used before got this. So I went to CMME (who I think took over from them) and they insisted that we had to have a telephone engagement for "GDPR reasons" which obviously makes no sense. I don't need someone making small talk, reading out small print and asking me questions for which I don't have the answers to hand for hours. Went to John Charcol and they were great and did the whole thing by email. So the review isn't on what they're like - it's about what they were like when I tried to use them
Debbie Harper
Jul 29, 2020
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We have been using CMME for many years and have always been exceptionally pleased with the level of service we have received. We cannot fault our mortgage advisor Lisa Payne. She is always professional, efficient, knowledgeable and has always managed to sort out our mortgages. I would highly recommend Lisa and CMME to anyone who is a contractor/self employed.
