CIS Remortgages

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

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Getting a mortgage can be complicated, especially without the comfort of traditional employment. Subcontractors who receive payment through the Construction Industry Scheme (CIS), especially are often still left in the lurch where easy mortgage applications are concerned.

Luckily, all hope is not lost. Here at CIS Mortgage Advice, we work with countless subcontractors to bring mortgages within reach. For the most part, CIS payments aren’t a problem when –

  • Tax is taken at 20%
  • You can provide 3 months’ worth of pay slips
  • You have at least 15% deposit

Even when this isn’t the case, our team specialise in CIS-specific mortgage advice and guidance. They’ll also work with you to calculate realistic borrowing rates with some of the best lenders on the market. With our help, you can achieve your dream mortgage no matter what.

What about CIS remortgages?

Homeowners consider remortgaging for various reasons, including –

  • The end of fixed rates
  • A need for a better deal
  • Changes in home value
  • Changing interest rates
  • A need to borrow more for home improvements etc.

If you’re considering going down this route, you could be in a good position. You already have a mortgage, meaning that the hard part is behind you. A lender has deemed you a risk worth taking despite CIS, and your credit rating and general standing are liable to be much improved as a result. Still, some uncertainty is inevitable.

Seeking remortgage-specific guidance from a member of our team should help your chances of getting a new deal approved.

Is The Lending Criteria The Same?

Despite the fact that you’re already a homeowner, lending criteria may have altered since getting your previous mortgage deal. As such, anyone paid through the CIS scheme will again want to sit down with a member of our team to discuss current income, possible borrowing rates, and the best path to go down for remortgaging acceptance.

What Can I Borrow?

As with your initial mortgage, borrowing amounts will typically range to 5xs your income. The good news here is our team can also take the value of your property into account. This should free you to achieve a more affordable mortgage, with a lot less back and forth than before. You also needn’t worry about sizable deposits, as your house value will already take care of that for you.

Speak to CIS mortgage advice today

Getting remortgaging right can save you vast sums of money, and even help you to add further value to your property. To make sure that happens, we offer an initial fee free no-obligation assessment of your situation, and advice every step of the way to help you get a ‘yes’ to meet your remortgage needs. Simply contact our team for CIS remortgaging advice you can trust today on 0800 030 6705.


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

CIS Mortgage Advice
Based on 35 reviews
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belayet hussain
belayet hussain
13:26 28 Nov 19
I would highly recommend CIS Mortgage 100%. David Sharpstone & his team went above and beyond to helped me secure... both my mortgages. He always kept me updated with the process and developments. Buying house is probably one of the most stressful times of your life, However David always reassured and guided us throughout the entire process. understanding, caring yet always remaining professional and supportive. Brilliant I cannot THANK him enough. THANK YOU!!read more
paul montgomery
paul montgomery
10:15 12 Nov 19
Can’t give nothing but praises and thank you to David and CIS Mortgage’s from very first conversation to being... offered a Mortgage he and his company kept me informed of every process and explained in every detail of application and history required with nothing but first rate professionalism throughout I will use him in future and recommend him to anyone in the same difficult situation I was in, as I was given bad advice before this company which gave me the feeling would never get on property ladder now David has dealt with my case will be moving into my first home in couple months thank you again David and CIS team. If you’re in difficult situation or just need advice please just call CIS Mortgage’s. more
Becca larkin
Becca larkin
11:19 18 Oct 19
If you are thinking about using CIS mortgage, 100% do it! I can't explain how happy my partner and I are with the... service. After seeing a previous mortgage adviser who told us we couldn't get a mortgage, David, within days got us a mortgage. So pleased with the outcome and it was so refreshing to speak to someone who completely understands CIS through and through. Amazing!!!read more
Ruaridh black
Ruaridh black
13:56 24 Aug 19
Went directly to a bank for a mortgage with my cis statements and they didn't even consider giving us the mortgage. Me... and my wife were gutted as it was our dream home and one we could start a family in together. Thanks to David here we managed to get a mortgage and got the house we wanted! We are now expecting our our first child and in our dream home! Wouldn't have been possible to get the house/mortgage without them so very appreciative. Fast and professional and would recommend them to anyone who works under the CIS payment scheme and are self more
P. Jiten
P. Jiten
09:56 17 Aug 19
For CIS self employed people this is the best company in UK. Got mortgage in principle certificate after submitting... required documents and mortgage approved in 10 days after submitting file. Hassle free process throughout and any question or query promptly answered. David and Lisa are amazing people to work more
Michelle Perrin
Michelle Perrin
09:28 17 Aug 19
My husband and myself have been dealing with David since our first property purchase in 2012. David has a vast amount... of knowledge, has always put us at ease and answered our questions throughout the process. David is great to deal with, always goes above and beyond and we have already recommended him to several of our friends and family, one of which is nearing completion of their first home. Always fantastic service, highly recommend CIS Mortgage Adviceread more
Veronica Grosu
Veronica Grosu
09:36 12 Aug 19
Fantastic service from start to finish. David made it simple and effective for us. We are very happy with the outcome.... I would definitely recommend!read more
09:23 18 Jul 19
David has been faultless from the beginning and helped me and my girlfriend out loads and without him we would not be... moved into the house we are in now. He understands the difficulties of being a CIS worker with mortgages and gives you the best advice he can and is very quick on the ball at getting stuff sorted. My case I appointed him for was more complex than most I would say due to being self employed and having a limited company but he had no trouble with achieving me a great mortgage deal and borrowing amount with the information I gave him. It has been a pleasure to deal with david through buying this property and I shall definitely be using him on any future purchases or remortgages. Nothing was ever to difficult for him and he was always just at the end of the phone when you needed him even after his working hours he went above and beyond by helping me with help to buy more
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