Caroline is a CIS Painter and Decorator, who received a mortgage offer with just a 5% deposit.
She had been an employed decorator for 3 years, but had recently decided to become self-employed, and all the banks she contacted told her they needed a 2-year self-employed trading history.
One of our specialist CIS mortgage advisors was able to find a lender who was happy to include the time Caroline had spent as an employee in a similar role, and she was able to buy her first home without her having to wait up to a year.
I sent over my details and next thing you know I had a decision in principle. It took no time at all! I hope many more people get to hear about this service.
We initially went to a high street lender for our mortgage, but my partner is on the CIS Contractor scheme and no-one there had heard of it. We went online the same day and found the CIS website, and our broker was brilliant. He got us a mortgage really quickly.
After returning to the UK from New Zealand my fiancé, Wayne, found work under the CIS scheme immediately. We applied for a mortgage and quickly found most banks could not properly appreciate our situation. David was able to work with us and turn around our funding application with a high street lender within two weeks!