Caroline Is Now A Very Happy Subbie!

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

Caroline is a CIS Painter and Decorator, who received a mortgage offer with just a 5% deposit.

She had been an employed decorator for 3 years, but had recently decided to become self-employed, and all the banks she contacted told her they needed a 2-year self-employed trading history.

One of our specialist CIS mortgage advisors was able to find a lender who was happy to include the time Caroline had spent as an employee in a similar role, and she was able to buy her first home without her having to wait up to a year.

We Say Yes To CIS

Less than 1 year self-employed

5% Deposit

Less than 3 years in the UK

High day-rate with low net profit