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C&F Mortgages C&F Mortgages focuses on helping contractors and freelancers acquire prime rate mortgage financing, by negotiating realistic rates for our self employed clients with mainstream lenders. Typically, prime rate mortgages are difficult to acquire for contractors and freelancers from high street lenders, as many lenders refuse to recognise their non-traditional methods of receiving payment. We have overcome that bias, with lending criteria based solely upon the client's contract rate.
Served areas
  • United Kingdom only
Services
First Time Buyer
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Buying your first home should be an exhilarating ride. Yes, you should expect ups and downs. But in the end, it should be a satisfying trip and one you can't wait to take again.
Moving house
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One of the (happy) consequences of being a contractor is earning more money than you did as a permie. When you retain more of that income too, home ownership possibilities appear endless. It seems feasible, then, that the first investment many contractors consider is moving to a bigger home.
Income Protection
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Contractor income protection does not work in the same way as, say, sick pay does for permanent employees. For anyone who works for themselves, the buck stops with them. Without cover, no work means no income.
Life Insurance
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There are two types of standard life cover for contractors and freelancers. They are term assurance and whole of live cover. In essence, this type of cover replaces the death in service benefits that direct employees enjoy.
Reviews (13)
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Andrew Nicholson
Oct 11, 2021
As always, excellent customer service and pro-active in their approach. I always feel Natasha and her team have my best interests at heart, rather than being driven by commissions and fixers fees, and I trust the team completely.
Rajesh K.
Oct 07, 2021
Thank you George Yerou (and Gabriela Brito) for your professional service to get us the mortgage as you described it. Highly recommend George and team especially someone working as contractor and trying to get mortgage.
Pez Taraj
Oct 07, 2021
I have been able to get two mortgages using this company and found them to be very knowledgable and helpful. In particular, Elaine. Highly recommenced and would use them again in the future.
Jacobe Bochoridze
Dec 23, 2020
I can't thank Natasha enough for all her advice and support over what has been an extremely challenging year! From start to finish from residential purchase to buy to buy to let, Natasha's advice and support has been second to none! Polite professional responsive and the absolute best! I would highly recommend and will use again! Thank you! Shazia
Jenny Hewitt
Jun 10, 2020
Fantastic from start to finish. George Yerou was amazing during a complex and difficult application that several other companies hadn't been able to help with. George was a consummate professional and great to work with, friendly, personable, and made himself available to us throughout the process, always keeping us updated until we found the application that worked for us.

His commitment and attention to detail with regards our personal request were beyond expectation. I would not hesitate to recommend George personally and the company as a whole to anyone looking for advice.
Zoe
Apr 30, 2020
What can I say! I am a contractor so our mortgage was not plain sailing to start with. Unfortunately we started off with a broker who did not understand contracts and went to lenders who didn't - we waited 7 weeks to be turned down - and then we found George Yerou! I spoke to him one Saturday morning, we then had a mortgage in principle by the Monday morning and 2 weeks later we have an offer in writing and we are ready to move.

I truly wish we had found George 2 months ago, before we turned into an anxious mush. He is conscientious, hard working and a true professional who kept us updated all the way through, with the support from the also conscientious Leanie. I will now look forward to working with George and Leanie again in a couple of years once the fixed rate finishes. I can't thank you both enough for helping us to buy our forever and dream home.
Jack Taylor
Mar 08, 2020
Huge thanks to George Yerou and Leanie at Freelancer Financials, it was a very professional easy process. To get a mortgage within a matter of days was astounding. It was a pleasure to deal with such a friendly team, I would highly recommend them for your mortgage needs. Thank you George!
Emma Parker
Feb 25, 2020
George has been very efficient in organising a mortgage for us. George has responded quickly to any requests and has kept us informed of the application. She has talked us through options however hasn't pushed us in making any decisions. We would definitely recommend George when searching for a mortgage.
Prayag Swathisri
Dec 23, 2019
We have recently been working with George Yerou and Leanie regarding our mortgage for second property. The whole process went so very smoothly, and George is such a lovely person to work with. He was so very patient with all our queries and very responsive. George provided us with all the best options and specially being contractor we didn't think that it would be so easy to secure a mortgage. Highly recommend George and Leanie. Thank you both for helping us with our mortgage and making it a hassle free process.
Zainab Braimoh
Nov 24, 2019
Elaine from freelancer financials has honestly been the best and I could not recommend the company and herself enough! Elaine has been very professional and personal at the same time. Very happy with the service!
Suren Bharadwa
Professional, competitive, efficient, dedicated and go the extra mile to provide a service that is second to none. I felt that they had my best interest at heart, I'll definitely be using you again in the future.
Cormac Kennedy
I've been using John and his team for almost a decade now. He gives accurate, relevant and straight forward advice. Pleasant to deal with and genuinely interested in what is best for the customer.
Launa Potgieter
When I received June's email saying that when she had updates she would let me know and not to chase her she was true to her word and her level of service was impeccable!