Remortgage for Home Improvement

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

[]
1 Your Details
2 Submit

The internet is not a secure medium and the privacy of your data cannot be guaranteed. Please tick the methods of communication you would be happy to receive:

To comply with data protection regulations (2018), we are unable to store and use your information unless you give us your permission.  View our data protection policy for details *

Please select Yes to allow this.

keyboard_arrow_leftPrevious
Nextkeyboard_arrow_right

If you’re a subcontractor paid through the Construction Industry Scheme (CIS), mortgages can become somewhat complex. Automatically, some lenders might deem you as high-risk because of an irregular income and be unwilling to lend to you.

The deduction of expenses from your gross profits can also scupper your chances at securing the mortgage you need. It’s for these reasons and more that many subcontractors turn to the CIS Mortgage Advice team to get the right deals with a better chance of approval.

If you’re thinking about remortgaging for home improvement, though, you’re in a different position. You’ve gone through the process of finding a mortgage, and a lender has already deemed you as a risk worth taking. But, needs around the home or merely a desire to add value require you to get back on the mortgage merry-go-round. Regular home improvement remortgaging requirements include –

  • Extensions
  • Renovations
  • Conversions
  • And more

To give yourself a better chance of acceptance and a smooth journey the second time around, it’s vital to consider what CIS means here, and how our team can help you to achieve the best deal all over again.

Is a home improvement remortgage wise with CIS?

Double-checking if a remortgage is the right course of action is always vital, and that becomes even more important where CIS payments are concerned. Though remortgaging may be perceived as a more straightforward process, this isn’t always the case when looking to borrow more. You will still have to meet sometimes tricky eligibility requirements, as well as needing to scour the mortgage market for viable options.

In large part, whether or not remortgaging is best depends on your circumstances and motivation. Bear in mind that many home improvements can add value, making them more than worthwhile. That said, early repayment charges and fees need to be considered, which a CIS Mortgage Advisor helping you to make sense of it all.

Things to consider before remortgaging your CIS deal

Before remortgaging, it’s vital to be aware of every aspect of the situation, including –

  • Your current equity
  • Whether you’re still working the same contracts as when you took out your mortgage
  • The affordability of your new mortgage with CIS payments

These are important to consider to ensure remortgaging is cost-effective and wise from a lending point of view. If you’re still convinced remortgaging for home improvement is right after considering this, you’ll need to focus on finding the right deal for your circumstances.

How can we help you remortgage?

Remortgaging with CIS isn’t altogether different to seeking a mortgage in the first place, only you now have equity behind you and, hopefully, an improved credit score. As soon as you contact us for one of our free no-obligation consultations, we’ll help you towards a home improvement remortgage you can work with by using our expert knowledge to consider –

  • Calculated borrowing rates with equity and CIS payments in mind
  • Rate of pay estimates regardless of expenses
  • Good remortgaging deals even with new contracts

If you’re currently thinking about remortgaging for home improvement, then, don’t hesitate to make it happen by contacting us on 0800 030 6705 today.

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

4.9
Based on 51 reviews
Razvan Petrusca
10:03 02 Jun 20
Brilliant service! From the very first day I got I touch with David he did the impossible for me. Firstly he secured a... mortgage when many others just said no! Now, 2 years later he surprised me again with a deal I never thought I could get. A special thanks for all the effort!! I will highly recommend your services! 👍🏽read more
Joanne Barnes
09:54 20 Apr 20
Excellent service. Really smooth process and was completed within a week, which was brilliant. Communications... throughout was excellent. Highly recommended.read more
Ruth Hughes
14:12 13 Mar 20
I was recommended CIS mortgage by a friend of mind and I wasn't disappointed. Adam Mills took all the stress a way from... getting a mortgage as a self employed person. It was great having someone else do all the research and calls to make sure everything went through smoothly. I have already passed his details onto friends!read more
ALEX LAMB
23:27 08 Mar 20
I would like to thank Adam Mills at CIS Mortgage Advice for the fantastic service provided obtaining my recent... first-time mortgage. After several disappointing conversations with other mortgage brokers, I was really starting to lose faith that I would be able to buy my first home for my new family. After one final Google search for a self employment-specific broker, I found CIS Mortgage Advice and Adam's positivity and optimism right from the get-go really restored my faith. As a first time buyer, I was still getting my head around the jargon and different elements of the mortgage process. Adam was very approachable and made sure I understood everything at each and every turn. You've turned a previously very disheartening experience, into a positive new chapter for myself and my family. I cannot thank you enough and I hope to deal with you again in the future. Kind regardsread more
Katie Underwood
22:30 24 Feb 20
A huge thank you to Adam at CIS Mortgage Advice for guiding us through our first home buying experience. Providing a... first class service, Adam kept us well informed and always in the loop. A friendly and professional team without whom, we could never have made securing our first home a reality!read more
Matty D
20:44 14 Feb 20
From the minute I was contacted by David from CIS Mortgages the service I have received has been second to none. A... special thank you to Rhodri who has been nothing but top notch in securing me a great rate mortgage and keeping me in the loop at all times; very professional. If you are CIS and looking for a mortgage, this is the place to go, I would recommend this company to anyone. Many thanks.read more
Alastair grove
12:54 13 Feb 20
My advisor lee Hawkins has done an amazing job, just the final forms to send in for the mortgage agreement and done, we... was let down by another advisor who didn't know what she was doing with Cis and gave us false hope saying we could get one then saying no. These guys get all the paperwork together first and then put together your package.... Highly recommended if you are Cis don't go through wasted months like I have with a "normal" advisor. Great job lee keep up the good work, let's see what the next few weeks bring.. Alastair and Ashleighread more
Rhiannon Bangs
19:42 28 Jan 20
My partner used this company, as a self employed person he found it hard to get a mortgage, but with the help of cis... mortgage and the very helpful adam we are ready to move into our first family home. The whole process was easy such brilliant service, very thorough and he was kept informed through out the process. Thanks again to Adam.read more
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
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. Paul.read more
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
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 employed.read more
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 with.read more
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
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
Rob
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 also.read more
Next Reviews