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Are you looking for a contractor mortgage? Then we can help you now

Are you a contractor and finding it very difficult to get a mortgage? Have you been rejected by the banks and other broker? Then you have come to the right place as we specialise in arranging mortgages for contractors& Sole Trader UK. For some contractor mortgage brokers in the UK, they find it very difficult to arrange a contractor mortgage, this is because they do not understand your unique situation as a CIS contractor.

CIS mortgage will put you in touch with the best contractor mortgage broker in the UK and they will provide you with an instant decision. Once you have found a property, our contractor mortgage experts will find the best mortgage for building contractors in the UK. Our advisors will guide you through the entire process of buying your home and ensure that you are getting the best mortgage for contractors available for you individual circumstances.

How do I get a mortgage for building contractor?

You may have already experienced that most banks expect to see your last 2 years of contractor accounts and they typically take an average of your net profit. This can be a big problem if you need a contractor mortgage and you haven’t been self-employed for two years. Also, you accountant or book keeper is likely to encourage you to keep this figure very low by claiming perfectly legitimate business expenses such as clothing, equipment and travel. This will help building subcontractors pay less tax in each year, but when you want to obtain a contractor mortgage; the bank is likely to use your net profit after expenses. This will give a much lower lending figure from the bank.

How can we get a mortgage for Construction Industry Workers?

CIS Mortgage.co.uk will put you in touch with expert brokers who understand your circumstances. Our mortgage advisors will use your daily gross salary (before 20% tax deduction) in order to calculate your mortgage potential. Our expert contractor mortgage brokers UK will then discuss your case direct to a mortgage underwriter and demonstrate that you should not be treated as a self employed contractor. Instead, the contractor mortgage lender should treat you in the same way as an employed construction worker.
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We say YES to CIS

High Street Banks can lend 52 times your weekly contract rate before tax deduction with our Advisors. We can help in all of the following:
  • Less than 1 year Self Employed
  • 5% Deposit
  • Less than 3 years in UK
  • High day rate, low net profit

Latest Contractor Mortgage Articles

Our monthly articles will keep you up to date with contractor mortgage advice, and give you hand tips of how to get a CIS mortgage
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Should I fix my mortgage for 2 or 5 years

09.04.2017
This article describes some of the important decisions that CIS Subcontractors need to make on there mortgage.
Read More....

Do you need a mortgage ?

We say YES to CIS

Get a mortgage based on your Sub Contractor income, not your profits

CALL TODAY: 01376 808200

Get an instant decision even with these circumstances

  • Less than 1 year Self Employed
  • 5% Deposit
  • Less than 3 years in UK
  • High day rate, low net profit

By submitting your information you are agreeing to be contacted by a Mortgage Adviser. There will be no fee for any initial consultation