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We specialise in Mortgage Advice for Subcontractors paid via the Construction Industry Scheme (CIS)

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How I saved a CIS Subcontractor £5500 on their mortgage deal

It might surprise you to know that the product switch mortgage deals offered by your current lender can often be cheaper via a broker; let me tell you about my client Ben as an example. I arranged Ben’s original mortgage two years ago when he was buying his first house.  His partner was seven months […]

Self-employed mortgage with less than 1 year accounts

You may have been told that it is hard to secure a mortgage if you are self-employed and you have less than one year of accounts. While this is difficult, it is not impossible, particularly if you’re a CIS subcontractor.  What counts is having an experienced CIS mortgage broker on your side who can help […]

Stamp Duty Explained

There is no denying that there is a lot that needs to be considered when purchasing a property. One of the biggest considerations is cost. A lot of people underestimate the expense involved when moving home, which leaves them short of cash. To ensure this does not happen to you, you need to consider all […]

Boost Your Chances Of Getting A Mortgage

Getting a mortgage can seem like a daunting prospect, particularly if your income isn’t totally straightforward. People are sometimes frightened about applying for mortgages because they have heard so many stories about how difficult it is to get accepted. People think they will automatically be disqualified if they are self-employed, for instance. This is certainly […]

Is now the time to buy?

The housing market has been a driver for investment income for so many years now that there’s barely a day goes by without an article in one of the national papers telling us the boom is back or the bubble is about to burst. What’s really going to happen? Well I’m going to be honest […]

What credit check provider should I use?

There are three main credit check providers in the UK that can help you make sure your credit history is accurate. They are Experian, Equifax and UKcreditratings. Experian is actually a credit broker, working with selected lenders to introduce would-be borrowers to its panel of selected lenders. That’s why they are the only one of […]

Mythbusting There’s Only One Lender That Looks At Your Gross Day Rate Income

Mythbusting – #4 There’s Only One Lender That Looks At Your Gross Day Rate Income At CIS Mortgage Advice, we help CIS subcontractors get a much bigger mortgage from their gross income. We’re really passionate about showing subbys that being paid via the CIS scheme should be seen as a massive advantage to getting a mortgage, and never a […]

8 reasons you should think of having a survey done

Congratulations, you’ve found your dream home. It’s in your price range and everything looks rosy. Time for a cuppa? Perhaps not quite, yet. Consider this: the house of your dreams could become yours via the most important financial commitment you’ll make in your entire life. That’s surely worth a brief pause for thought, armed with […]

Mythbusting You probably can’t help me because I have bad credit

Mythbusting – #3 You probably can’t help me because I have bad credit At CIS Mortgage Advice, we help CIS subcontractors get a much bigger mortgage from their gross income. I’m really passionate about showing subbys that being paid via the CIS scheme should be seen as a massive advantage to getting a mortgage, and never a hurdle to […]

What costs do you need to factor in when buying a home in England?

For almost everyone buying a house it will involve getting a mortgage, and that’s a financial commitment that could be with you for up to 25 years. But that’s just the main cost, not the only cost. And while the mortgage is paid off over time, there’s more than just a few short-term costs you’ll […]