Less than 3 years in the uk our advisors can help you find a mortgage

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

Adrian had lived in the UK for 18 months, working as a CIS carpenter.

He initially approached a major High Street bank for a mortgage, but was rejected instantly because he hadn’t lived in the UK for 3 years: the minimum required by most lenders to build up a credit history.

However, because he had a 10% deposit, our advisor was able to introduce Adrian to a bank willing to lend the rest of the money he needed to buy his first house.

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