Recent court battles involving companies like Uber and Deliveroo have highlighted there is nothing transparent in UK employment law: it’s more of a deep murky sink hole, rather than a beautiful, clear pool. If you’re working as a contractor, you might be happy with the flexibility that the status gives you. But if you work […]
They say moving home is one of the most stressful things we will face in life. The good news is there’s actually quite a lot you can do to de-stress the whole process – and at least moving does have a clear end in sight. Here’s our list of top tips, with thanks to all […]
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 […]
Pawel had been told by his own bank that there would be no problem in obtaining a mortgage, as he was already a CIS contractor. So he made an offer on a house, which was accepted. But when Pawel made a follow-up mortgage appointment with his bank, the mortgage was declined – because his Net Profit […]
Adrian had lived in the UK for 18 months, working as a CIS carpenter. He initially approached a major High Street bank for a mortgage, but was rejected instantly because he hadn’t lived in the UK for 3 years: the minimum required by most lenders to build up a credit history. However, because he had a 10% […]
Chris was getting nowhere alone! When he approached us for help, he had already been declined by most of the High Street lenders. The problem was, he had started as a CIS contractor only a short time before, so every bank he spoke to told him to come back when he had accounts for two years. […]