There are many advantages to operating as an actuarial contractor, but obtaining a mortgage is not one of them! Contractuary has partnered with specialist mortgage broker Contractor Mortgages Made Easy (CMME), who are experts at sourcing competitive mortgages for actuarial contractors, in order to help you obtain a mortgage without the traditional hassle and frustration of approaching a lender directly.

Since the onset of the financial crisis in 2008, many high street lenders have implemented streamlined underwriting processes which are inflexible in relation to any complexities in earnings. For actuaries working on a contract basis, this usually means that a large portion of income is ignored when affordability is assessed, because income does not fit neatly into the bank’s standardised processes.

As an established national mortgage brokerage, CMME has successfully pioneered a bespoke underwriting agreement with a wide panel of mortgage lenders, whereby the banks agree to accommodate the actuarial contractor’s full earnings when assessing affordability for mortgage purposes. The team of experienced consultants are able to engage with the lender upfront to agree bespoke underwriting terms before you make a formal application, which eliminates the risk of any adverse outcome due to your status as an actuarial contractor.

CMME are a whole of market brokerage, and can guarantee to source you the most competitive deal, with completely impartial advice which is specially tailored to your own individual circumstances. There is usually no need to supply complex documentation as proof of earnings, so you’ll save time and hassle as well as money.

Here is a short summary of some of the great benefits that CMME can offer for actuarial contractors:

  • Mortgages based on your full contract earnings.
  • Streamlined processes avoiding unnecessary paperwork and time delays.
  • Access to the whole of the mortgage market.
  • Completely impartial advice specially tailored to your needs.
  • Bespoke underwriting solutions for actuarial contractors, with many High Street Lenders.


To find out more about how CMME can help you obtain a competitive mortgage as an actuarial contractor, please visit , or call a member of their experienced team on 01489 555 080.

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.