We specialise in Mortgage Advice for Subcontractors paid via the Construction Industry Scheme (CIS)
Can I get a mortgage with less than 2 year accounts?
I only have a 5% deposit; can I still get a mortgage if I’m self employed?
I have some bad credit, can I get a mortgage?
How long does it take to get a mortgage?
How long do I have to be contracting for before I can apply for a mortgage?
I’ve been in the UK for less than 3 years – can I still get a mortgage?
I do a lot of cash jobs, can I use this income to get a mortgage?
What paperwork do I need to apply for a self employed mortgage?
If you apply as a CIS contractor you will need your last 3 months/13 weekly payslips and bank statements showing the income in your account. You will need to provide both your business and personal bank statements. If you are applying as a sole trader or Limited Company Director, most banks will ask for your last two or three self assessments. Your accountant can obtain these for you, or if you self assess they are also available on you government gateway access. You will need your SA302 document or summary page from the online account confirming‘100% Complete’. You will also need a document for each tax year called a ‘Tax Year Overview’