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

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What’s the cost of remortgaging?

Remortgaging is something most people do to save themselves some money, but does it cost to remortgage? And if so, how much? Well, there are a number of factors when it comes to remortgaging, so it’s important that you know the costs so that you can work out if it’s worth it for you.  Early […]

How can I find what my house is worth?

When thinking about moving home, you will understandably want to know how much your current house is worth. This will ensure you don’t short change yourself when putting it up for sale. But how can you find out what your house is worth? Well, there are a number of things you can do: #1: Find […]

Can I Move Home In The Middle Of A Fixed Term Mortgage Deal?

When moving home, you don’t always need to search for a new mortgage provider. In some cases, you might be able to ‘port your mortgage,’. This is where you transfer your current mortgage to your new property. Is Porting Your Mortgage Right For You? The option is certainly attractive, as by porting your mortgage, you […]

Understanding Different Types Of Mortgages

With different mortgage types to choose from, it can be difficult to find the right one for your particular set of circumstances.   Repayment Mortgage vs Interest-Only Mortgage When choosing a mortgage, you might be offered either of these options when looking at the different ways you can repay your mortgage. When choosing a repayment […]

How often should I review my mortgage?

When it comes to your mortgage, it pays to shop around. So if your fixed term is about to expire, or if you are struggling with your current mortgage repayments, it might be in your best interest to consider a change of mortgage deal. When to review your mortgage While it might be that your […]

What Are My Mortgage Repayment Options?

There are a number of different options when it comes to the types of mortgage available to you, but when it comes to paying your mortgage off, there are three main options. Repayment Interest-Only A combination of the above If you choose to take out a repayment mortgage, you have to pay both the capital […]

The cost of moving home

Moving home can be a stressful experience. From the initial effort that goes into getting your house ready for viewings, to dealing with the final solicitor enquiries can feel draining, so it’s worth getting your brain in gear when it comes to understanding what the costs will be throughout.   Deposit The bigger the deposit, […]

What To Expect From Exchanging, Completing And Moving

It’s great when your offer on a property has been accepted, but until contracts have been exchanged, nothing is legally binding.  Before contracts have been legally exchanged, either party can pull out of the transaction. If the seller decides they don’t want to sell to you, perhaps because they have been offered a better deal […]

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 […]