CIS subcontractor mortgage

EL76

Hello This is my first thread so please excuse me if I don't get it right yet.
We have received our mortgage offer from Halifax based on my husband being Construction industry scheme subcontractor, affordability assessed using his latest invoices instead of SA302. He has been subcontracting and paid through the same agency for the past 18 months with more then 3 years in the same line of work.
IF he decides to change the agency before completion and start new contract, same work, same rates, is this consider as change of circumstances and should he inform the lender?
I recon as him being self employed contractor and never having a permanent work place and permanent contract per se, there is no change to repport. But just to stay on the safe side I would like some advise, please.

Mattib0110

Sorry quick question, I'm a cis contractor going through mortgage with halifax

Finding very awkward at min as they won't accept my Invoices as I'm not paid every month although I've been at the sane place 6 years

Did you have any issurs

EL76

No, we didn't have that kind of issues as he is paid weekly.

EL76

Anyone? Please - help

Holfoxx

Hi we are currently in same situation applying for a mortgage with Halifax and my partner is self employed but CIS monthly statements of earning tax paid etc I’m also on zero hours - out MA has asked for 3 months CIS and 12 Months payslips for me - did you have any issues when submitting your application and were many more documents requested ? Also how long did a decision about your mortgage offer take to come through? Thank you

Michellew29

Hi there
I know this post was a very long time ago but me and my OH are about to try and get a mortgage and we are in the exact same situation and extremely stressed thinking that no one will touch us for a mortgage. Thanks in advance