Bespoke recommendation from over 110 lenders and hundreds of products, speaking directly to the ones who can say yes to you.
Trusted nationwide • 100% 5-star rated on Google • Over 50 years experience
Straight talk, smart strategy and someone who actually picks up the phone.
I’m Charlotte, director at CCC Mortgages, leading a team that shares my commitment to doing things properly. Over the past 13 years, I’ve learned that great advice is about more than products – it’s about people. We take the time to understand your goals, offering honest guidance and ongoing support through every stage of the journey.
Know you can reach me directly, get straight answers and trust that my team will go to great lengths to secure the right outcome for you. No jargon, no call centres. You’ll get me. I’ll give you personal service alongside my team and my determination to get the offer you deserve.
When it comes to mortgages and protection, you need advice you can rely on. That’s why CCC Mortgages is:
clients across the UK turn to us for straight-talking advice
If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances.
You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.
We’re committed to pointing you toward the right support whether that’s with your lender or free impartial services.
Buying your first home, moving up the ladder or managing a complex case? With access to over 110 lenders and hundreds of products, we’ll find the mortgage that fits your circumstances and get lenders to look again if others have said no.
When your deal ends, we’ll scan a comprehensive range of
lenders across the market for the most suitable new option but not deals that
you can only obtain by going direct to a lender, residential or buy-to-let. From
better deals, if available, to raising money for improvements, we’ll handle the
switch, so you don’t miss out.
Life changes, but your cover should always protect the people who matter most. From income protection and life insurance to critical illness and business cover, we’ll build a protection plan that fits your needs today and your family’s future.
Adverse credit? Complex income? Portfolio landlords or bridging loans? These are the cases where we thrive. We’ll cut through the obstacles, speak to the right lenders and secure finance that fits even when others have said it can’t be done.
From first-time buyers to seasoned property investors, clients come to my team for straight answers, personal service and results that make the difference.
Here’s what they say:
“Having experienced the most stress-free process with Charlotte two years ago, we knew she was the right choice for our remortgage.”
“Charlotte is amazing. She helped me secure a mortgage when I really didn’t think it was possible. Her knowledge is outstanding.”
“Absolutely brilliant — always on the end of the phone. I’ve recommended Charlotte without a second thought.”
Getting advice shouldn’t feel complicated.
Here’s what happens when you reach out:
Message me on WhatsApp or request a callback through the site. You’ll get an instant acknowledgement, so you know I’ve received it.
Within 24 hours I’ll be back in touch for a 15–20 minute chat. This is your chance to ask questions and for me to understand your situation before booking your initial appointment. No pressure, no obligation.
From the picture we build in that first appointment we will work on building your package to match you with the deal that works for your circumstances. This is all about tailoring your mortgage to you.
We’ll present your case to the right lender or insurer, handle the paperwork and keep you updated as everything moves forward.
When it’s all agreed, we’ll hand everything over with your offer in place so you can move on with confidence knowing you’ve got the right deal secured.
Your home is at risk if you can’t keep up repayments
If you are unable to meet your mortgage payments due to unexpected events (such as loss of income, ill health or damage/loss to your house or its contents) you are at risk of losing your home.
There are insurance products available to protect you against these events – please ask us for more information.
That’s why we also offer advice on protection products to give you peace of mind.
Read 5-star reviews from first-time buyers, families and property investors across the UK.
Here are some of the things people ask us most often, in plain English.
How much deposit do I need?
It depends on the type of mortgage. For most residential mortgages, you’ll need at least 5%. For most buy-to-let mortgages, you’ll need at least 25%. We’ll explain exactly what works for your situation.
How long do I need to be in my job before I can get a mortgage?
Some lenders are happy with just an employment contract before you even start the job. Others prefer a few months of payslips. We’ll match you to the lender that will accept your circumstances.
How long does it take to get a mortgage?
From agreement in principle to full offer, it can be a matter of days with the right lender. More complex cases can take longer, but we’ll keep you updated every step of the way.
Can a family member be a guarantor?
A guarantor mortgage is a home loan, where a parent or close family member takes on some of the risk of the mortgage by acting as a guarantor. We can discuss the alternatives with you as well.
How much can I borrow?
This varies by lender and circumstances. Every bank has a different appetite, it’s about matching your case with the right bank for you to optimise affordability.
Myth: You need to pay yourself a high salary as a company director to get a mortgage.
Truth: Company profits can be used to calculate affordability instead of your salary.
Myth: You need at least 2 years of self-employment to qualify.
Truth: Some lenders will accept 1 year’s accounts and in special cases, even a projection.
Myth: You need a salary to get a Buy to Let mortgage
Truth: Buy-to-let lending is partially non-regulated, which means it’s based on
the rental income potential of the property, not your payslip.
You can make a complaint to our network Sesame. Please contact them on the details below:
Sesame Limited
Fourth Floor, Jackson House
Sibson Road, Sale, M33 7RR
Ready to find the mortgage or protection that fits your life?
Message me on WhatsApp or request a callback and I’ll be in touch within 24 hours. We’ll start with a free 15–20 minute chat. No pressure, just straight answers.
CCC Mortgages is a trading name of CC Callaway Mortgages Limited which is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number: 967343.
The FCA does not regulate some forms of Buy to Let mortgages and Bridging loans.
© 2025 CCC Mortgages. All rights reserved.
