Secure a CIS mortgage using 100% of your CIS income – even if you work for more than one company.
Get a larger mortgage using your CIS vouchers without the stress and uncertainty, with no upfront fees.
Secure a mortgage using 100% of your CIS income – even if you work for more than one company.
Get a larger mortgage using your CIS vouchers without the stress and uncertainty, with no upfront fees.
Obtain a mortgage with less than three years accounts using the CIS scheme
CIS Specialist Advice
Use self-employed income in addition to your CIS to boost your borrowing
CIS Mortgages Made Easy
Being told you cannot borrow as much as you need doesn’t just make you feel bad. It can also mean you miss out on getting the new home you really want for you and your family. Or it can mean you’re forced to stay with your current lender and pay more than you need to each month.
The trouble is that lots of lenders now use fully-automated computer-based systems for assessing mortgage applications, which means it is harder for people on the CIS scheme to get the borrowing levels they deserve.
The banks computers often use rigid and inflexible rules, tending to use your self-employed accounts to assess the amount you can borrow.
That’s why even the smallest difference between your accounts and CIS income can result in you getting turned down for the mortgage borrowing you need.
If that has happened to you, you’ll know just how frustrating it is and you might be tempted to keep trying until you find a lender who will accept you.
Fortunately, help is at hand.
At Nicholson Brown, we don’t think it is fair for people to be penalised for the way they receive their income. We know, and understand the lenders who actually like helping people on the CIS scheme. We’ve got relationships with these lenders’ underwriters – in other words, real humans who make the decisions. If we handle your mortgage application, we can speak to these underwriters and present your case to them in the best possible light, greatly increasing your chances of obtaining the mortgage you deserve.
Get a CIS Mortgage Quotation
Fill in your details below and one of our Construction Industry Scheme mortgage experts will contact you to discuss your options and help you choose the most appropriate deal.
Get a CIS Mortgage Quotation
Fill in your details below and one of our Construction Industry Scheme mortgage experts will contact you to discuss your options and help you choose the most appropriate deal.
Why Choose Nicholson Brown?
We specialise in mortgages for Construction Industry Scheme workers so we can maximise your potential borrowing…
Specialist CIS Advisers
With a proven track record, and years of experience, advisers at Nicholson Brown are experts in the mortgage application process for those on the Construction Industry Scheme.
We understand the difficulties that lenders can have in reviewing the income position of those on the scheme, including:
- Irregular income
- Multiple employers
- Limitations on eligible income
- Confusion regarding income proof
- Employed & Self-Employed income
With the knowledge of how to position these factors, we have a higher chance of a successful application.
No Upfront Fees
We believe that we should not charge for work that is unsuccessful. Because of this, we do not charge up-front fees. Our advice fees are only payable once your mortgage offer letter has been produced.
We have a transparent fee structure, which will be discussed in our initial consultation and will remain unchanged throughout the process. No matter how complex your case, and how much of our time it takes to find your perfect solution, you can proceed with full confidence in the service you are paying for.
Fast Decisions
We will work in the time frame that suits you. Ultimately, the quicker you return information we request from you, the faster we can obtain a lending decision.
Following our initial consultation, we will send you a request for the required documentation we will need to verify your information. Once this has been received, we can make our recommendation to you and proceed with a lender’s decision in principle application.
In order to best prepare for this process, we will be looking to see identification documents, including photo ID and proof of address. We will also require proof of income, in most cases being the Construction Industry Scheme vouchers received, alongside proof of any self-employment work.
Save Time and Hassle
The mortgage application process can be confusing and tedious. Through many years of experience, we have fine-tuned our processes to ensure the application is as simple for our clients as can be. All that will be required of you is your time and your verification documents.
WIth direct access to lender systems, as well as their decision makers we are able to ensure that any complexities are dealt witih early and in more detail to the lenders’ underwriters, meaning that we can by-pass the common ‘computer says no’ approach.
This not only allows for the process to be easier for you, but allows you to have a much higher chance of being accepted.
Reviews
Nicholson Brown were able to get us the mortgage we required to buy our house using the income my husband receives on the CIS scheme.
Danny & Emma
Very good insight into the market and friendly staff. Easy to contact on the phone and very responsive on emails. Great service.
Nicholas
Lee was able to use my voucher income in addition to my self-employed income to get me the mortgage amount I needed so I could buy my first house.
Terry
How can you start your mortgage search?
STEP 1
Contact Us
Call or enquire today to take the first step.
STEP 2
We’ll search for the best deal
Once we have your information, we will review the options available.
STEP 3
Confirmation and Application
We’ll discuss the quote and complete the application on your behalf.
STEP 4
…until you have your keys!
We will continue to support you until your mortgage has completed.
Free Initial Consultation
We believe in only charging fees once we are successful in our work. As such, we do not charge for any work until your mortgage offer letter has been issued.
Whole of Market Lender Choice
We are not limited in any way by the panel of lenders we can recommend. This means we have a much higher chance of successfully getting you the mortgage finance you need.
Specialist CIS Advice
With years of experience, and a track record of successful applications for those in the Construction Industry Scheme, we can use our expert knowledge of the sector to guide you through the application process.
Get a Mortgage Quote
Fill in your details below and one of our Construction Industry Scheme mortgage experts will contact you to discuss your options and help you choose the most appropriate deal.
Free Initial Consultation
We believe in only charging fees once we are successful in our work. As such, we do not charge for any work until your mortgage offer letter has been issued.
Whole of Market Lender Choice
We are not limited in any way by the panel of lenders we can recommend. This means we have a much higher chance of successfully getting you the mortgage finance you need.
Specialist CIS Advice
With years of experience, and a track record of successful applications for those in the Construction Industry Scheme, we can use our expert knowledge of the sector to guide you through the application process.
Get a Mortgage Quote
Fill in your details below and one of our Construction Industry Scheme mortgage experts will contact you to discuss your options and help you choose the most appropriate deal.
