Mortgages for CIS Workers
Do you have a high day rate but low net profit?
It’s our job to find you a lender that will maximise your affordability to obtain the mortgage that you want.
It doesn’t matter if you’re a sub contractor or paid via an umbrella company.
Watch our FREE 5-10 minute explainer.
You may have been turned down by your bank because they treat you as self-employed and require 2 or even 3 years worth of accounts. This means using your net profit and essentially decreasing the amount that you can borrow!
Save yourself all of the stress and disappointment.
Stop searching tirelessly through the long list of lenders that won’t consider your true income. By speaking to one of our advisers we can quickly identify a lender that will maximise your affordability so you can buy the property of your dreams.
Even if you have a 5% deposit saved, it could be enough to help you get the mortgage you want, don’t rule it out until we speak.
We have the expertise in CIS worker mortgages and access to specialist lenders that understand how you are paid.
Why choose 2nd City Finance?
We understand that in some cases you work hard for a high day rate, but end up with a low net profit, don’t think that this will reduce your chances of securing the mortgage you want.
It’s knowing where to look and what is available where we come in, we can show you a whole range of deals available. Ones that you may not come across looking for yourself or using an adviser in a bank, speak to the team today about how we can help you.
Experts in Sub Contractor Mortgages
Our prior experience and knowledge of lender's criteria, when it comes to sub contractor applicants, could make the difference between you getting the keys to you dream home and not!
Exclusive Deals
Having access to specialist lenders, ones who specialise in Construction Industry Scheme worker mortgages, means that we can offer you exclusive rates. Some that aren’t even available if you were to go to the lender direct.
1 Years Accounts
In some cases we are able to look at lenders who would consider 1 years worth of accounts. Or even less if tax is deducted by an umbrella company.
Flexible Appointments
We appreciate that you don't work the conventional office hours, so we don't either. We can offer evening and weekend appointments to have a chat about your mortgage.
Less Than 3 Years in UK
You may have been working for less than 3 years in the UK and think that a mortgage isn't possible. We have access to specialist lenders that could consider your application. As the experts we'll be there to submit it in the most effective way, to help you try and secure a mortgage.
Helping You Protect Your Home
Why work hard to save your deposit and go through the whole mortgage process to secure your dream and then lose it all because you hadn't protected your debt sufficiently. We have a team of specialist protection advisors who can advise you on how best to protect your home. They will explore ways to help pay your bills if you were unable to work through illness or injury.
Get in touch
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Registered in England and Wales
2nd City Finance Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited. Advance Mortgage Funding Limited is authorised and regulated by the Financial Conduct Authority.
The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK. Registered office address – Sigma House, Hadley Park East, Telford, Shropshire, United Kingdom, TF1 6QJ Registration number – 13055699 Trading address – 27 Piccadilly, Stoke-on-Trent, Staffordshire, ST1 1EN
Our fees and charges vary depending on the Services we provide to you. Our typical fee is £495. We will also be paid commission from the lender. We also receive a commission from the lender which whom your mortgage has been placed.