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

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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 […]

Mythbusting – Can I Use My LTD Company Gross Income For A Mortgage Assessment?

Mythbusting – #1 Do I Need To Be Self Employed For 2 Years? At CIS Mortgage Advice, we could get you a much bigger mortgage from your CIS income by using your average daily income before tax. We’re really passionate about showing subbies that being paid via the CIS scheme should be seen as a […]

Mythbusting – Do I Need To Be Self Employed For 2 Years?

Mythbusting – Do I Need To Be Self Employed For 2 Years? At CIS Mortgage Advice, we could get you a much bigger mortgage from your CIS income by using your average daily income before tax. We’d like to dispel for you many of the myths we often hear about getting a mortgage for CIS […]

7 Step Plan To Get the Right Mortgage

Subby Tip #22 – 7 Step Plan To Get the Right Mortgage Here we’re going to show you our seven-step plan for securing you the right mortgage. Let’s start with some questions… Are you a CIS Subcontractor? Do you want a mortgage? Do you want that mortgage to be big enough to get you the […]

Are You As Well Prepared As You Can Be?

Subbie Tip #21 – Are You As Well Prepared As You Can Be? Are you mortgage ready?  OK, we’re all busy people but there are some things that you just shouldn’t put off and getting all your paperwork together for your mortgage application is one of them!  You need to get yourself ‘mortgage ready’ at […]

How Working In A Family Business Affects Your Mortgage Application

Subbie Tip #20 – How Working In A Family Business Affects Your Mortgage Application If you, or someone you know is a CIS subcontractor working for immediate family this is an important piece of advice and worth sharing to save problems for anyone looking for a mortgage. Not all mortgage applications specifically ask whether you […]

Have You Been In The UK Less Than 3 Years?

Subbie Tip #19 – Have You Been In The UK Less Than 3 Years? If you’re a CIS Subcontractor that’s worked in the UK for less than three years you may have been told by lenders and even mortgage brokers that you can’t apply for a mortgage; I’m here to tell you that simply isn’t […]