CIS Mortgage

Who are we

We specialise in Mortgage Advice for Subcontractors paid via the Construction Industry Scheme (CIS)

Your home may be repossessed if you do not keep up repayments on your mortgage.

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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 subcontractors 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 subcontractors 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 subcontract 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!