Subcontractor Mortgage
08000 306705
Subcontractor Mortgage Advice
08000 306705

About CIS Mortgage

CIS Mortgage Advice is a trading name of Just Mortgages Direct Ltd which is an appointed representative of Openwork Ltd which is authorised and regulated by the Financial Conduct Authority. This partnership gives us the strength to offer advice on a mortgage proposition to our clients from over 50 of the country’s leading banks, building societies and specialist lending institutions. Not all mortgage lenders recognose CIS Gross income for mortgage lending purposes. Openwork Mortgage Network arranges over £7 Billion in mortgage transactions each year, and provides us with the support, technology and diverse range of products to deliver a suitable mortgage and protection solution.

We aim to help CIS contractors find the right mortgage for their circumstances.  

Our friendly mortgage advisors are all experts in the CIS Scheme. We understand that you are neither employed, nor self-employed – but somewhere in between. 

We use your average day-rate to calculate exactly how much you can borrow, and only place your CIS mortgage application with a lender that we know will cater for CIS contractors within their lending criteria.

In the last 12 months almost all mortgages we applied for resulted in a binding offer from a High Street lender within 10 working days. (Among those declined, the decision was generally due to either unsuitable or down-valued properties.)

As long as you are on the CIS Scheme, and have 3 months’ worth of continuous payments and a good credit record, then we can help you get a mortgage offer based on your average day-rate. In most circumstances, you can borrow up to 5 times your gross annual salary, and access the same fantastic mortgage rates available to someone who is directly employed! 

Our Mortgage advisers will be able to give you specific mortgage advice tailored for your needs. They are each expert in securing mortgages for contract workers.

When you are ready, contact us by phone, email or through this website and we will contact you back at a time that suits you. Our expert advisors know the lenders, and which one will fit in with your personal needs best to ensure you get the best customer outcome. 

After all, we cannot build a successful business, without first ensuring we achieve happy customers! 

Your home may be repossessed if you do not keep up repayments on your mortgage
Opening Hours
09.00 - 5.00PM
09.00 - 5.00PM
09.00 - 5.00PM
09.00 - 5.00PM
09.00 - 5.00PM
Contact Us
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

Website by Inspire Web Development