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What our clients
are Saying...
Showcasing reviews from people just like you—contractors, company directors, and freelancers who found the right mortgage with our expert brokers.
Why choose
Crunch mortgages?
Crunch mortgages are specialists in providing mortgages to contractors, self-employed and company directors and have been doing so for over 30 years. It’s a specialised area so why not speak to people that you already trust who do this every day?
Not long ago, going to your bank for a mortgage was your first option. Nowadays, it should be your very last option. Typically, banks don't have the qualified staff to understand your complex income.
Speaking to a Crunch Broker is definitely better. You’ll be able to speak with someone who will understand your income, advise on every lender in the market, and cut the long waiting times. We are a whole-of-market mortgage brokerage with highly experienced people who will find the best mortgage to suit your own particular requirements.
Our Services
With Crunch, you will benefit from speaking directly to the same qualified and friendly mortgage advisor throughout your journey. We will always be responsive and proactive and will do everything we can to find the best mortgage offer to fit your own personal circumstances.
Our whole of market service means you are able to access all the best deals available, not just be limited to those on the high street or in the case of most other brokers, a restricted lending panel.
Because we have been doing this for so long we understand how to simplify the entire process, ensuring that you always feel in control of the situation, that you never feel on your own or overwhelmed. Mortgages do not have to be complicated or stressful, and it is our mission to help you every step of the way.
You will pay NO upfront fees to us to find you the best deal and, as an existing Crunch customer, you won’t be charged for the provision of accounts or an accountant’s reference that may be needed to support your mortgage application.
Our Specialities
Contractor Mortgages
Our experts fully understand all the different circumstances surrounding self-employed or contractor work. We have lenders that will take into account day rates and aggregate them throughout the year when considering affordability.
We understand the complexities surrounding this area, especially around income, and have access to specialist lenders that will best suit your individual requirements.
Limited Company Director Mortgages
We have saved customers thousands of pounds in tax and costs because we are specialists in this area.
Customers have come to us in the past who have previously been advised to draw more revenue (and pay more tax) in order to get the level of mortgage they require.
We have access to lenders that will consider the P/L position of your limited company when considering affordability.
We, and our lenders, understand ownership of private companies when looking at affordability, not just declared revenue.
First Time Buyer Mortgages
Being a first time buyer can be pretty daunting and our mortgage advisors understand that. They will work closely with you to fully understand your circumstances and find the best possible mortgage for you, explaining the full process in as much or as little detail as you want. Through established relationships with lenders and whole of market coverage, we are able to offer Crunch customers the best deals available at any given time.
Remortgage Deals
Whether you are re-mortgaging to free-up some cash from your property or are at the end of a fixed rate period one of our expert advisers will be able to help and find you the best mortgage offers available. As a leading broker for over 30 years we have the experienced and the access to all the best deals on the market. We can also secure your rate up to 6 months before your current deal ends, and even switch you to another if better rates are available nearer the time, thereby securing the best deal early on to avoid any sudden increasing, but still ensuring you complete the remortgage with the best possible deal at any given time.
Commercial Finance
For over 30 years Crunch has specialised in finding the best commercial finance for our clients all over the UK.
Be it for Residential Buy to Lets, Residential or Commercial Developments, Care Homes, Leisure, Investors and business owner-occupiers, our expert brokers understand the market better than anyone and have the experience to know when to approach a high street bank or a specialist lender for your commercial finance requirements.
With our extensive knowledge of and longevity in the market we have lenders who go above and beyond to help our clients simply because they trust that we will only approach them with the right businesses for them and in a way that makes their decision an easy one to make. We make it our mission to understand what our clients need to achieve and to know which lenders will be a perfect fit.
If you are looking to purchase, re-mortgage or invest in commercial property, mixed use schemes and property portfolios in complex corporate structures our experts can help you find the right product. All you need to do is call or email us and the conversation can start.
Protection
Term Life Insurance
Term life insurance provides coverage for a specific period, such as 10, 20, or
30 years. It’s often more affordable than permanent life insurance policies
because it offers coverage for a predetermined term without any cash value accumulation.
For sole traders, term life insurance can be an attractive option as it provides a straightforward and cost-effective way to protect their family’s financial future during the years when they are most vulnerable.
Find out more
Whole Life Insurance
Whole life insurance offers coverage for the entire lifetime of the policyholder, provided that the premiums are paid on time. Unlike term life insurance, whole life policies also accumulate cash value over time, which can be borrowed against or withdrawn if needed.
While premiums for whole life insurance tend to be higher than term life policies, the lifelong coverage and cash value accumulation make it a good option for self-employed individuals looking for long-term financial security.
Find out more
Critical Illness Cover
Critical illness cover provides a lump sum payment if the policyholder is diagnosed with a specified critical illness listed in the policy. This can include conditions such as cancer, heart attack, stroke, or organ failure, among others.
If you’re self-employed and worried that your livelihood may be directly impacted by a serious illness, critical illness cover can offer much-needed financial support during a challenging time, allowing you to focus on recovery without worrying about your finances.
Find out more
Income Protection Insurance
Income protection insurance is designed to replace a portion of the policyholder’s income if they are unable to work due to illness or injury.
When you’re self-employed, your income relies entirely on your ability to work, so income protection insurance can provide invaluable peace of mind. It ensures that you can meet your financial obligations and maintain your standard of living even if you’re unable to work temporarily or long-term due to health reasons.
Find out more
Free Mortgage Monitoring – Spend Nothing on Saving Money
Take advantage of our Free Mortgage Monitoring Service and enjoy peace of mind that you need never pay a penny more than you should on your mortgage.
We monitor mortgage rates for you 24/7 from across thousands of lenders, alerting you whenever there is a better deal available to you. Our expert brokers are on hand to advise and help you complete a stress-free switch when it makes sense to do so. We also include an up-to-date valuation of your property with each monthly email.
Trusted by over 400,000 Mortgage Holders in the UK, it’s now available to you, and it’s free, forever.
Meet our experts
Rob Starr MBE
CEO
Gemma Love
Case Manager
Andrew Page
Commercial Finance Manager
Gemma King
Partnerships Manager
Andrew Cantelo
Mortgage Broker
Paul Fish
Accounts Manager
Jamie Challis
Director of Mortgages & Protection
Lea Spells
Customer Retentions Manager
Clare McKinstrie
Case Manager
Matt McNeill
Mortgage Broker
Karly House
Case Manager
Mike Jacobs
Chief Operating Officer
Crunch Accounting & Mortgages!
I have used Crunch for a long time and find their service to be excellent.
I recently used Crunch Mortgages and again the service was great. Gemma and Jamie adapted the mortgage to our needs and we couldn't be happier.
I have used Crunch for a long time and find their service to be excellent.
I recently used Crunch Mortgages and again the service was great. Gemma and Jamie adapted the mortgage to our needs and we couldn't be happier.
Pete
What our clients
Find the perfect mortgage for you
Get in touch and one of our Crunch Mortgage brokers will get back to you to start the process
Crunch Knowledge
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