CHL Mortgages
Specialist residential mortgage products from CHL. Solutions for contract workers, self-employed borrowers, and complex income cases.
Specialist solutions for modern borrowers
CHL Mortgages fills an important gap in the UK mortgage market, serving borrowers whose income patterns or employment circumstances sit outside the narrow criteria of mainstream lenders. Their specialist focus means they understand the nuances of complex cases.
Whether you work on contracts, run your own business, or have income from multiple sources, CHL has the expertise and product range to find a mortgage that works. Through Doulton, your application is professionally prepared and submitted for the best possible outcome.
CHL specialist lending through Doulton
Specialist Residential Focus
CHL Mortgages concentrates on residential lending where mainstream lenders struggle, providing solutions for borrowers with complex circumstances that require individual assessment.
Contract Worker Solutions
CHL understands the modern employment landscape and offers products designed for contract workers, freelancers, and those with irregular but reliable income patterns.
Self-Employed Flexibility
Flexible approaches to self-employed income verification, including consideration of business accounts, tax returns, and projected earnings for growing businesses.
Near-Miss Lending
CHL specialises in cases that almost fit mainstream criteria but fall short on one or two points, bridging the gap between high street and specialist lending.
Efficient Turnaround
CHL focuses on delivering fast decisions and efficient processing, understanding that borrowers with complex cases have often already experienced delays elsewhere.
Intermediary Partnership
CHL works exclusively through intermediaries, ensuring every application benefits from professional advice and thorough case preparation before submission.
How it works
Case Assessment
We review the details of your case to determine whether CHL's specialist criteria offer a better fit than mainstream alternatives for your circumstances.
Product Matching
We match you to the right CHL product based on your income type, employment status, and property requirements, ensuring the best available terms.
Prepared Submission
We package your application with all supporting documentation, presenting your case clearly to CHL's underwriting team for efficient assessment.
Offer and Completion
We manage the process through to offer and coordinate with your solicitor to bring your mortgage to completion on schedule.
Get a specialist mortgage quote
If your income or employment does not fit mainstream criteria, CHL Mortgages could provide the solution. Talk to our team today.