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What Do Our Members Think?
What Is A CIS Mortgage?
Officially there is no such thing as a CIS mortgage. However, there are plenty of options available which are designed for CIS workers to help improve your chances of obtaining a mortgage.
For those in the construction industry, the Construction Industry Scheme (CIS) provides a way for subcontractors working to present their earnings as a pre-tax gross income, rather than a final post-tax profit. Essentially treating you as employed and increasing your mortgage affordability. This is where the term CIS mortgage comes from as you have your own set of lending criteria.
How Does The CIS Scheme Help Me?
There are a number of ways being signed up to CIS benefits you when making a mortgage application.
One of the main benefits of this scheme is that unlike other self-employed products you can apply for a mortgage after just 3 months because you can be as treated as employed, although your lending options do increase after a full 12 months trading history.
Higher affordability is also another. As a CIS worker mortgage lenders will use your annual gross income when determining the size of your mortgage.
How Can We Help You?
Robin Mortgage Design are a whole of market mortgage & protection brokerage. Mortgage brokers who are whole of market have access to the largest pool of mortgage providers such as banks & building societies and pure mortgage lenders. When you approach us, we take a personal stance from the very start, we'll take the time to understand what your situation is and propose suitable options for your mortgage & protection needs.
So if you wish to speak with an actual human, then we can get you in touch with your personal mortgage consultant who will be on hand, to guide you through every stage of your journey.
Qualified and trusted Mortgage & Protection advice
Helping you to find your mortgage from 1000's of mortgage deals available everyday to suit a variety of situations.
We do the work, so you can enjoy the things you love
A Message From The Owner
"Welcome to Robin Mortgage Design. I've worked in the Mortgage Advice industry for a number of years, helping people to finance their property. My biggest motivation has always been to provide more than just a brokerage service. Financing your home and protecting your family with the right solutions for your personal circumstances is so important. At Robin Mortgage Design, my team and I are committed to guiding and supporting you not just at the start, but for the lifetime of your mortgage."
Mark Travell Cert CII
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.
Not all forms of mortgage lending such as certain Buy to Lets are regulated by the Financial Conduct Authority along with some additional related services, such as Conveyancing. A full disclosure document will be provided to you.
*some services are by provided as a referral to a third party company. No personal information will be shared with such companies without your prior permission. Robin Mortgage Design have no control over these companies and cannot be held accountable for their service or advice.
Robin Mortgage Design is a trading style of Robin Partnership Ltd whom is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. The registered Office of Robin Partnership is 22 South Street, Castlethorpe, Milton Keynes, Buckinghamshire, MK19 7EL. For more information please please refer to the FCA register https://register.fca.org.uk
Robin Mortgage Design charge a broker fee which is only payable on mortgage offer. The precise amount will depend upon your circumstances however a typical fee is £395.00 and the maximum that could be charged is £1,495.00