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. […]
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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Absolutely amazing experience dealing with Adam from start to finish, we received valuable advice to finally be able to get a mortgage, it was a painful process as we didn't have all the necessary documents to start off, but with Adam guidance and amazing patience, he gave us confidence and hope to get our family home, we are forever grateful for his time and all the help we received, from countless phone calls, texts and emails, always available when needed. I also used David' services getting my first mortgage and he was absolutely amazing, second to none service. I can't recommend their services enough and i would advise anyone needing a mortgage to contact CIS Mortgage advice. You won't be disappointed for sure!!!
Cannot thank our mortgage adviser Gilbert enough. We were first time buyers and with my partner being CIS and it being during covid pandemic, we found it extremely difficult to get a mortgage, we then found CIS mortgage advice and Gilbert was amazing. He made the impossible possible and really understands CIS and the market. At first I was worried when I heard about the fee for services given that I did not know anyone personally who used this company before, but I am so glad I listened to reviews because this was a reasonable fee and it does not get taken until the full mortgage offer has been issued and the fee was 100% worth it for the outcome we have got. Gilbert was professional, easy to get hold of and very responsive. I highly recommend CIS mortgage advice and Gilbert to anyone in the same industry. Thank you so much for securing our mortgage on our first home.
Can't thank Adam enough for the best service provided to us. He helped and advised what was the best for us throughout the entire process and I trust we got one of the best deals available at that time. Overall, I can recommend CIS Mortgage Advice for professionalism, fast action and simply - good service.
We came across CIS mortgages after several attempts to discuss our mortgage needs with other brokers failed due to not having a long history of self employment. After speaking to Adam we felt relieved and reassured by his confidence and professional manner. Adam has guided us through the application process and collected all of the information necessary to obtain the mortgage that we needed. We have been kept fully informed throughout and have been able to make contact and ask questions. We are very pleased with the lender that he found for us and the terms of our mortgage. We would highly recommend Adam and CIS mortgages to anyone looking for a mortgage.
Thoroughly impressed with the service provided by David from start to finish with our mortgage application. We were regularly kept updated and he showed professionalism, commitment and determination throughout the whole process, in order to achieve the outcome we were looking for. We highly recommend CIS mortgages, an outstanding service.
