3 Ways Your Contractor Status Can Impact Your Mortgage
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 […]
12 Ways To Stay Sane When You’re Moving
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 Now A Very Happy Subbie!
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’s CIS Mortgage Success Story
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 […]
Less Than 3 Years In The UK? Our Advisors Can Help You Find A Mortgage
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’s CIS Mortgage Success Story
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. […]