Subcontractor Mortgage
Advice
08000 306705
Subcontractor Mortgage Advice
08000 306705
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Pawel's CIS Mortgage Success Story

Pawel had been told by his own bank that there would be no problem in obtaining a mortgage, as he was already a CIS contractor. So he made an offer on a house, which was accepted. But when Pawel made a follow-up mortgage appointment with his bank, the mortgage was declined – because his Net Profit was too small for the loan he required. 

Pawel’s accountant was using acceptable business expenses to help reduce his tax bill, but because of this, he was declaring a net profit on his tax return of £12,332 and the lender was only willing to offer a mortgage of £46,000.

A colleague recommended CIS Mortgage.co.uk, and within 30-minutes Pawel had been assessed by our independent Contractor Mortgage Broker. 

Our expert calculated Pawel’s average day-rate on the CIS Scheme at £200, and used an average of his most recent earnings before tax, over 6 months, to give an annual figure that allowed him to borrow £216,000, and secure the house he wanted!

Your home may be repossessed if you do not keep up repayments on your mortgage
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The internet is not a secure medium and the privacy of your data cannot be guaranteed. Please tick the methods of communication you would be happy to receive:
    
    
    
To comply with data protection regulations (2018), we are unable to store and use your information unless you give us your permission. Please select Yes to allow this. View our data protection policy for details
The information on this website is for use of residents of the United Kingdom only subject to UK regulatory regime. No representations are made as to whether the information is applicable in any other country which may have access to it.
CIS Mortgage Advice is a trade name of Just Mortgages Direct Ltd which is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority
Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD. Registered in England No. 2412345

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