Introduction:
Spencer was eager to take the next step towards owning his first home. As a newly self-employed individual in his first year, he was concerned about the challenges of securing a mortgage and how complicated the process might be. 

Background:
Despite his concerns, Spencer was determined to achieve his dream of homeownership. Seeking professional advice, he reached out to The Mortgage Centre Essex for guidance and support. 

Challenge:
Spencer had read online about the difficulties many newly self-employed individuals face when applying for a mortgage. Most lenders require at least two years of self-employed accounts, which made him doubt his chances of success.

Solution:
During Spencer’s initial consultation, Chris from The Mortgage Centre Essex identified a key advantage: Spencer was paid under the CIS (Construction Industry Scheme). Leveraging his experience with similar cases, Chris reached out to lenders who specialise in working with CIS contractors. With just three months of payslips, Chris successfully secured Spencer a mortgage offer through a trusted lender.

Outcome:
Spencer turned his dream into reality, purchasing a property close to his friends and family. His journey to homeownership was smoother and faster than he had anticipated.

Testimonial:
Here’s what Spencer had to say about his experience with The Mortgage Centre Essex:

“The Mortgage Centre made the whole process of getting a mortgage so straightforward. As someone in my first year of being self-employed, I was worried about how complicated it seemed after what I read online. Chris Smith has been brilliant throughout every stage of the process, taking so much weight off my shoulders. I can’t thank him enough.”

Conclusion:
Spencer’s story highlights the importance of working with knowledgeable mortgage experts. Chris’s expertise and understanding of the options available for CIS contractors ensured a successful outcome. At The Mortgage Centre Essex, we believe that informed decisions make all the difference.

If you’re ready to explore your options, get in touch with The Mortgage Centre Essex today!