






Expert Mortgage Solutions for Portfolio Landlords
We specialise in mortgages that go beyond the ordinary—supporting portfolio landlords, limited company lending, self-employed clients, and those with complex income or company structures.
But we don’t stop there—we also help first-time buyers and individuals looking for residential mortgages, guiding you every step of the way.
Our passion lies in solving challenges. If your situation is complex or your mortgage is difficult to place
with a mainstream lender, we thrive on finding the right solution for you.
Our goal is simple: to build long-term relationships, helping landlords grow and maintain property portfolios, and helping homebuyers secure the perfect mortgage for their dream home.
Whether you’re raising funds, re-mortgaging, or moving house, we’re here to make it happen.
We pride ourselves on making every transaction smooth and stress-free, backed by expert knowledge, enthusiasm, and unwavering support.
Finance for Landlords with multiple properties, finance structuring, portfolio mortgage tracking and growth strategies.
Landlords with Tax-efficient investment structures including complex and holding Company structures.
Guidance on set-up, stress-testing, and lender choice.
Specialist finance for higher-yield properties and complex valuations.
Tailored solutions for home movers and those looking to re-mortgage.
Clear guidance on deposits, affordability, and lender choice.

I’m the ‘C’ in CMJ Mortgages and, technically, the boss — though teamwork is at the heart of everything I do. My journey began in banking at 16, and by my early 20s I’d found my calling in mortgages. After more than a decade as a broker, I launched CMJ in 2020, drawing inspiration from my siblings’ initials and my dad’s first business.
I’m the ‘C’ in CMJ Mortgages and, technically, the boss — though teamwork is at the heart of everything I do. My journey began in banking at 16, and by my early 20s I’d found my calling in mortgages. After more than a decade as a broker, I launched CMJ in 2020, drawing inspiration from my siblings’ initials and my dad’s first business. My goal has always been clear: to make complex mortgages straightforward and stress-free, offering clients the kind of service I’d want myself. Today, I’m proud to lead CMJ with Jess and Sabrina, building a business defined by expertise and unwavering client support.

I keep everything running smoothly behind the scenes at CMJ Mortgages, from managing company finances and monitoring client portfolios to submitting applications and liaising with underwriters. My role is all about precision and reliability — ensuring every detail is taken care of so clients feel supported at every stage. I thrive on th
I keep everything running smoothly behind the scenes at CMJ Mortgages, from managing company finances and monitoring client portfolios to submitting applications and liaising with underwriters. My role is all about precision and reliability — ensuring every detail is taken care of so clients feel supported at every stage. I thrive on the variety of each day and the challenge of finding solutions for complex cases. Recently, I achieved CeMAP qualification, adding even more expertise to the team.

I help manage cases from research to completion and I am responsible for ensuring all our compliance standards are met. I will happily create a spreadsheet for anything and everything and use them primarily to track our monthly progress and ensure we’re on target to meet our annual goals. After becoming CeMAP qualified I have recently s
I help manage cases from research to completion and I am responsible for ensuring all our compliance standards are met. I will happily create a spreadsheet for anything and everything and use them primarily to track our monthly progress and ensure we’re on target to meet our annual goals. After becoming CeMAP qualified I have recently started advising on Protection - finding tailored solutions to meet each client’s individual needs and budgets.
Charlotte Beasley charlotte@cmjmortgages.co.uk 07508831621 Director & Adviser Jess Lucas jessica@cmjmortgages.co.uk 07365125850 Paraplanner & Exec Assistant Sabrina Barker-Newton sabrina@cmjmortgages.co.uk 07955130305 Paraplanner & Protection Adv
Monday - Friday: 9am - 5pm
Saturday: By appointment
Sunday: Closed
Before sending a message please read our Just in Time statement.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances.
This will typically be £500
CMJ Mortgages LTD is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register under firm reference 930837.
Registered Office: CMJ Mortgages LTD, Office 39, Anglo House, Worcester Road, Stourport-on-Severn, DY13 9AW
Registered Company Number: 13873805 Registered in England & Wales
Trading Address: CMJ Mortgages LTD, 82 Bay Avenue I Wolverhampton I WV14 0TT
Approval Number: FP12660 - Expiry Date: 06/01/2026
Copyright © 2021 CMJ Mortgages - All Rights Reserved.