Are you a CIS Worker seeking a mortgage?
Do You Qualify?
Get to know your mortgage options in a matter of minutes
CIS Worker Benefits
Realise the unique advantages being a CIS Worker
Keys to Success
Your application matched to the right lender by our experts
NW Guarantee
We promise you’ll be accepted or get £250 Amazon vouchers
How to get a mortgage as a CIS Worker
Working in the Construction Industry Scheme (CIS) means you often get penalised or even worse declined for the mortgage amount you want.
Most high street banks and mortgage brokers don’t understand the hurdles that you as a CIS worker are undoubtedly going to come across when applying for a mortgage.
Mistakenly labelled as a “sole trader” you’ll be pigeonholed as “higher risk” resulting in unnecessary delays and rejected mortgage applications.
That’s why we created a bespoke mortgage service so you can avoid this from happening to you.
You’re about to witness the power of having a team of experts that specialise in mortgages for CIS Workers in your corner!
Our unique approach involves manually underwriting mortgages with common sense, without relying on credit scoring. This, along with our deep knowledge of CIS worker mortgages brings solutions you never thought possible.
If you want to take advantage of getting a mortgage approved based on your monthly CIS vouchers then you’ve come to right place.
Our lenders love CIS Workers and with exclusive deals at high street rates your mortgage dreams are just a few clicks away.
Why Work With Us
Here are just a few ways we’re DIFFERENT from other companies
Self-Employed
Specialists
Specialists
In-House
Underwriting
Underwriting
Borrow
More Money
More Money
Proven
Success Rate
Success Rate
CIS Worker Success Story
Aaron and Jasmine secured their ideal mortgage with our expert guidance, avoiding a lengthy wait for tax returns. They’ve just moved in and are thrilled to start refurbishing their new home
The new wave method
Here’s the SIX STEPS to GUARANTEE Self-Employed Mortgage SUCCESS
Pro-TIP:
CIS Workers
Take advantage of your CIS worker status and benefit from bigger loan amounts! Our expert Chloe provides her favourite tip to ensure your mortgage is approved without the hassle of providing a tax return.”
Ask our Experts
Yes, we charge a one-off broker fee when your mortgage is accepted by the lender. At this stage your application has been submitted, they’re happy with your paperwork and their surveyor has valued your property. At this point, you’ll be sent a formal mortgage offer which is a legally binding document to confirm the mortgage is approved. We’ll then invoice for our broker fee of £1,995.
Typically, it takes 2-4 weeks to get your application approved by the lender. The quickest we have turned an application around is just 48 hours! If speed is important, then tell your expert and they’ll match you with the right lender to ensure it gets accepted as quickly as possible.
As a rule of thumb, lenders restrict the amount you can borrow to 4.5 x your last two years tax returns. Being experts in CIS worker mortgages, we have access to lenders that will lend significantly more! Use our quick calculator to get an estimate based on your self-employed earnings.
The answer to this is simple. Yes! It’s just question of when you’ll be able to get the mortgage you’re looking for. Our unique service for CIS workers provides all the best shortcuts out there to bring you the best mortgage options in the quickest timeframes possible.
This depends on the lender your expertly matched with. As a minimum we require proof of ID, proof of address and proof of income. We’ll need sight of your last 3 months CIS vouchers too.
We are so confident your application will be approved that you’ll receive £250 Amazon vouchers if we don’t. That’s the New Wave Guaranteee. We also take all the risk so you don’t have to… this means you don’t pay us a penny if we’re not able to secure the mortgage we promised.
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Trusted Self Employed Mortgage Brokers
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