Contractor Mortgages Made Easy was initially launched when it became recognisable that contractors were treated unfairly by lenders when trying to obtain a mortgage.

As a company, CMME have worked very hard for a number of years to influence the way in which lenders assess contractors and as a result of this CMME has bespoke underwriting agreements in place with some of the biggest lenders, including Halifax, NatWest, Santander, Skipton Building Society, Clydesdale Bank and more. CMME is extremely familiar with the frustration that can be caused in a result of going straight to a high street lender to obtain a mortgage and highly advise against this.

Benefits of Contractor Mortgages Made Easy

  • Impartial Advice
  • Specialist contractor knowledge
  • Bespoke underwriting

Being a contractor does not mean you will be offered different rates to individuals that are permanently employed. Before CMME was launched, many contractors relied heavily on self-certified mortgages. This meant that higher rates and fees applied, but with help from Contractor Mortgages Made Easy, contractors can now avoid this.

An ordinary mortgage application is assessed on the basis of the applicant’s income and dividends. Contractors struggled to secure the funding as a huge part of their earnings, such as expenses, were simply ignored by the lenders. CMME can negotiate the bespoke underwriting terms upfront, meaning a contractor’s mortgage application will get assessed on the basis of their full gross contract rate, with very little attention paid to their remuneration strategy.

As the contractor, CMME just need you to be able to follow the following criteria:

  • You must have a current contract in place
  • If you are a new to contracting, you can still borrow
  • Your income can be defined via your annualised contract rate
  • You will also need a copy of your CV to show continuity within the work you are in

Please click on the below link to begin your mortgage application.


Arleys are not authorised to offer regulated mortgage advice. Arleys are introducer’s to Contractor Mortgages Made Easy.

Contractor Mortgages Made Easy is a trading name of Mortgages Made Easy Limited. Authorised and regulated by the Financial Conduct Authority (FCA reg. 414798).

Registered in England No. 4886692 Registered Office: 9 London Road, Southampton SO15 2AE.

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

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