C&F Mortgages’ sole purpose is to provide contractors and freelancers access to mortgage borrowing. We help self-employed professionals get onto the property ladder where the High Street fails[1]. It’s no secret that many contractors begin contracting for two reasons: they can earn more providing their specialist service as an independent professional; HMRC tax breaks afforded to limited company business owners are amazing compared to working via PAYE. the tax breaks that HMRC affords contractor companies are amazing compared to working ‘PAYE’. These are great strategies for tax planning. But they also cause major problems for High Street mortgage advisors. As an independent professional, you’ll incorporate a limited company to act as your payment structure. That will include registration and taking out necessary contractor insurances. You may need indemnities and protection cover to ensure you’re protected as a business. Once done, for all intents and purposes you’re a personal