Don’t worry if you’ve been subcontracting for less than two years

The most common lament I hear from CIS subcontractor clients recommended to me is that they’ve been told by a mortgage lender or another broker that they need to have at least two years of self-employed trading figures in order to get a mortgage.  It gives me great pleasure to tell these clients that I […]

Improving your Credit Score

The most common lament I hear from CIS subcontractor clients recommended to me is that they’ve been told by a mortgage lender or another broker that they need to have at least two years of self-employed trading figures in order to get a mortgage.  It gives me great pleasure to tell these clients that I […]

Give Yourself Some Credit

Today’s top tip for mortgage seekers is to make checking your Credit Score a priority. It should come as no surprise that a poor credit rating can hold you back when it comes to getting a mortgage and we’ll talk about that today, but what does often surprise people is that having what they think […]

What Is The CIS Scheme?

This guide is for companies that are involved in construction activities, and which may be required to register with HMRC as a subcontractor or contractor under the Construction Industry Scheme (CIS). Please remember that companies that have a high yearly spend on construction will be caught by the idea, even if their main area does […]

What Are Contractor Mortgages?

Contractor Mortgages are specifically for the following types of contract worker (These can be in any industry): Self-employed contractors with six months or more working history Employed contractors with previous experience Contractors/employees of parent businesses Zero hours contracts with six months working history Agency workers with at least a years history. If you happen to […]

CIS Mortgages

We find that some clients have trouble to borrow the mortgage they need because they don’t have three years worth accounts? Written off costs and declare a low net profit? With Construction Industry Scheme (CIS) mortgages, you can use the overall income on your pay slips rather than your business accounts. To get considered for […]

Who Do We Help????

How to Increase Your Chances of Getting a MortgageIf you are self-employed, mortgage options can be somewhat limited. There are plenty of self employed mortgage options out there, but different companies have different criteria. Following these tips can help you secure a low rate mortgage to purchase a home. Start planning and preparing now, and […]

How To Save Up Your Deposit?

How to Increase Your Chances of Getting a MortgageIf you are self-employed, mortgage options can be somewhat limited. There are plenty of self employed mortgage options out there, but different companies have different criteria. Following these tips can help you secure a low rate mortgage to purchase a home. Start planning and preparing now, and […]

How To Increase Your Chances Of Getting A Mortgage

How to Increase Your Chances of Getting a MortgageIf you are self-employed, mortgage options can be somewhat limited. There are plenty of self employed mortgage options out there, but different companies have different criteria. Following these tips can help you secure a low rate mortgage to purchase a home. Start planning and preparing now, and […]

CIS Mortgage Advice For First Time Buyers

CIS Mortgage Advice for First Time Buyers If you are looking into your first mortgage, things can get a bit confusing, particularly for self-employed individuals and contractors. Here at CIS, we do as much of the work that we can for you, but we understand that you may still have a few questions about what […]