Subbie Tip #17 – How Your Income Is Calculated For Affordability Purposes This case study shows how important it is to choose the right lender when it comes to getting the right mortgage offer. One question that I get asked regularly is whether as a Director of a Limited Company it’s still possible to use […]
Subbie Tip #15 – How To Get The Best Mortgage Offer You know how much you’d like to borrow but meeting mortgage lenders affordability criteria isn’t always that simple right? I meet a lot of people who believe the misconception that there’s only one mortgage lender that fully accepts CIS Subcontractor gross income to support their […]
Subbie Tip #14 – How To Evidence Your Income Without Payslips We often get asked if it’s possible to evidence income if you can’t get copies of your CIS payslips to support your mortgage application. Ideally you want your lender to calculate your mortgage affordability based on your Gross CIS income and the lenders I […]
Subbie Tip #13 – How A Poor Credit Score Affects Your Mortgage Applications It’s important to say right from the start that you should not assume that having a less than perfect credit record will stop you getting a mortgage. That isn’t to say that lenders welcome those with adverse credit with open arms but […]
Subbie Tip #12 – Demonstrating Your Track Record It goes without saying that lenders need to have confidence in you if they’re going to advance you a mortgage. Part of this comes with seeing that you have a good track record of employment within the industry; let’s be honest if you’ve only just started working […]
Subbie Tip #11 – The Value of References To Accompany Applications It’s standard practice for lenders to seek employment references for applicants in full time jobs but not always the case when it comes to self-employed people. Having said that, many lenders that allow gross CIS income as evidence of affordability may insist that your […]
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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.
