Download Your Free CIS Mortgage E-Book
Get our 10 Top Tips for securing a mortgage with your CIS subcontractor income.
- Learn how to check your credit history and CIS invoices
- Understand why it’s important to have a paper trail for your deposit.
- Give yourself the best possible chance of being approved for a CIS mortgage!
At CIS Mortgage Advice, we specialise in helping subcontractors borrow up to 5 X their annual gross CIS income and we’re here to help you find the right mortgage too.
We say ‘YES!’ to CIS
Although we can’t guarantee you’ll get a mortgage, we are proud that we have helped 100’s of CIS subcontractors buy their dream home since 2010.
For our clients, the following circumstances are normal:
✅ Less than 1 year self-employed
✅ 5% deposit
✅ Less than 3 years in the UK
✅ High day-rate but low net profit
As long as you are on the CIS Scheme, and have 3 months’ worth of continuous payments and a good credit record, then we can help you get a mortgage offer based on your average day-rate.
Don’t worry if you’ve even had a few minor credit blips in the past; or have yet to complete your first self-assessed tax return: we can still help!
Seriously Competitive rates from High Street banks
Our friendly mortgage advisors are all experts in the CIS Scheme. They understand that you are neither employed, nor self-employed – but somewhere in between.
We use your average day-rate to calculate exactly how much you can borrow, and only place your CIS mortgage with a High Street bank.
In most circumstances, you can borrow up to 5 times your gross annual salary, and access the same fantastic mortgage rates available to someone who is directly employed.