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CGC Mortgages

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Approved by The Openwork Partnership on 08/08/2026

01/11/2026

🏡 Being self-employed doesn’t automatically stand in the way of getting a mortgage.

Different lenders can assess self-employed income in different ways, depending on whether you’re a sole trader, contractor or limited company director, as well as your individual circumstances.

As mortgage advisers, we can help you understand what lenders may look for and what documents you might need before you apply.

📩 Get in touch to discuss your circumstances.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 19/10/2026

30/10/2026

Mortgage advice isn't only about arranging the borrowing. 🏡

When taking on a mortgage, it can also be a useful opportunity to review how financially prepared you and your family would be if circumstances changed.

Life insurance, critical illness cover and income protection are different types of protection that may be considered depending on your needs.

📩 Get in touch to discuss your protection options.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

28/10/2026

Before starting a mortgage application, it can help to get your finances and paperwork organised.

You may want to review your credit report, understand your regular monthly commitments and gather documents such as payslips, bank statements or evidence of self-employed income.

A mortgage adviser can also look at your circumstances before an application is submitted and explain what lenders may consider.

📩 Thinking about buying or remortgaging? Get in touch.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

25/10/2026

Your income helps pay for much more than your mortgage. 🛡️

Bills, food, childcare and everyday living costs still need to be covered if illness or injury leaves you unable to work.

Income protection is designed to provide a regular income if you're unable to work due to certain illnesses or injuries, subject to the terms of the policy.

📩 If you'd like to understand how income protection works, get in touch.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

21/10/2026

Already have financial commitments? 🚗💳

Monthly repayments for loans, credit cards, car finance and other borrowing may be taken into account when a lender assesses how much you could afford to borrow.

That doesn't automatically mean you can't get a mortgage - it simply forms part of the wider affordability assessment.

📩 A conversation before you apply can help you understand where you currently stand.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

16/10/2026

Taking on a mortgage is often one of the largest financial commitments you'll make.

Life insurance can provide a financial payout if the person covered dies during the policy term, helping provide financial support for those left behind.
The amount and type of cover you may need will depend on your individual circumstances.

🛡️ We can discuss protection alongside your mortgage and explain the options available.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

14/10/2026

We’re immensely proud to be Bishop’s Stortford’s most ⭐️⭐️⭐️⭐️⭐️ Google reviewed mortgage advisers!

Now with 250 five-star reviews! 😊

13/10/2026

Your credit history is one of the areas a lender may review when considering a mortgage application. 💳

It can show how you've managed borrowing and repayments in the past, but lenders have their own criteria and assessment processes.

If you're concerned about something appearing on your credit file, it can be helpful to discuss it with a mortgage adviser before submitting applications.

📩 Speak to us about your circumstances and the options that may be available.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

11/10/2026

Two people earning the same salary won't necessarily be able to borrow the same amount.

Lenders may consider regular expenditure and financial commitments alongside your income when assessing affordability.

This could include loans, credit cards, childcare costs and other ongoing commitments.

Getting an idea of your affordability early can help you understand what borrowing may be available before you start viewing properties.

📩 Planning a move? Let's talk through the numbers.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

08/10/2026

It’s natural to focus on getting your mortgage agreed, but it’s also worth thinking about what would happen if your circumstances unexpectedly changed. 🏡

Could your household continue meeting the mortgage payments if illness, injury or loss of income affected your finances?

Protection options can be discussed alongside your mortgage so you can understand what may be suitable for your circumstances.

🛡️ Get in touch to talk through your mortgage and protection needs.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

Address

Bishop's Stortford

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+447432652171

Website

https://cgcmortgages.co.uk/

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