Many CIS workers, self-employed individuals, and contractors face significant challenges when seeking a mortgage. While this situation may seem unfair, it doesn't have to be that way!With over 20 years experience, I've helped hundreds of clients, just like you, who thought their dream home was beyond them.🏡So, what do I do differently to help CIS workers / Self-employed / Contractors?CIS workers main struggles are:👷🏻 - Inconsistent income and length of contract👷🏿‍♂️ - Proving income👷🏻‍♀️ - Lender knowledge and experience of CIS schemeI overcome these issues! ✅ - Inconsistency of income can be overcome by only looking at your last 3 months / 12 weeks earnings! ✅ - Time in current contract can be ignored!✅ - Self-assessment doesn't match your CIS income slips? No problem, we will work from the CIS slips then!✅ - Lenders don't understand how CIS workers are paid. We work with over 100 lenders and only consider lenders that fully understand CIS, so will maximise your borrowing amount!Some issues faced by the Self-Employed include:🧑🏻‍💼 - Length of time self-employed👨🏿‍💼 - Inconsistent profit👩🏻‍💼 - Retained profits left in Limited CompanyI overcome these issues!✅ - 1 year self-employed is no issue; we work with a number of lenders that consider short length of time self-employed!✅ - Switching from sole trader to limited company and vice versa is also possible!✅ - Peaks and troughs in profits? No problem, as long as there is a valid / acceptable reason!✅ - Being tax efficient and not withdrawing all annual profits is both sensible and acceptable with lenders we work with - We can use the profit in your business, sometimes before corporation tax, or your salary and dividends!Common obstacles faced by Contractors are:👩🏿‍💻 - Length of time contracting👨🏻‍💻 - Irregular income with breaks in between contracts👩🏻‍💻 - Lender understanding of Umbrella companies and complex income structuresI overcome these issues!✅ - Just started contracting? Not an issue if you have a track record in your chosen profession! ✅ - Gaps of up to 12 weeks in a 12 month period can be considered; get in touch for more info!✅ - We work with over 100 lenders; we will only consider lenders that fully understand complexities of Umbrella companies and income structures!Being married, with a teenage daughter (and a crazy Cockapoo🐶), I totally understand the security that owning your own home brings😊💬 Let's Connect 💬I'm passionate about helping you achieve the property you deserve. If you want to have an informal chat, DM me!