Mortgages in the UK: Specialists for CIS Romanians

The first step is simple: call 073 7575 2777 or fill out the contact form on the website to schedule a free phone consultation. We will discuss your situation, explain your options, and together determine the best course of action. There is no obligation and no cost for this initial conversation.

From the initial consultation to completion, the process usually takes 2–4 months. We typically obtain the Agreement in Principle within 24–48 hours. Formal mortgage approval takes 2–4 weeks after submitting the application. The remaining time depends on the legal process (conveyancing). With documents prepared in advance, everything moves significantly faster.

Yes. Romanian and EU citizens can apply for a mortgage in the UK. The main requirement is to have documented residency (Settled Status or Pre-Settled Status) and verifiable income in the UK. Adrian Iovu fully understands the situation of the Romanian community in the UK and provides consultation in Romanian, guiding you through every step of the process.

Yes. In addition to mortgage services, we also offer comprehensive protection insurance consultancy: Life Insurance, Critical Illness Cover, and Income Protection. We believe that protecting your family and your property investment is just as important as getting the best mortgage rate. We work with the entire insurance market to find the optimal coverage at the best price.

The standard documents required are: a valid ID (passport), proof of address from the last 3 months, the last 3 months’ payslips or proof of CIS income, the last 3–6 months’ bank statements, the P60 from the last tax year, and proof of deposit with the source of funds. If you are self-employed, you will also need the last 2–3 SA302 self-assessment tax returns. We will tell you exactly what you need during our first conversation.

The optimal time to start the remortgage process is 3–6 months before your fixed-rate period ends. If you wait until it expires, you automatically move onto the bank’s SVR (Standard Variable Rate), which is usually 1–3% higher than a new fixed rate. By contacting us in advance, we can secure a favorable offer without any pressure.

An Agreement in Principle is a written confirmation from a lender that you are eligible for a mortgage of a certain amount based on an initial assessment. It is not a final offer, but it demonstrates your seriousness to estate agents and sellers and speeds up the process once you find your desired property. We obtain it for you quickly, usually on the same day.

Yes, absolutely. Many specialized lenders calculate your income based on your gross CIS earnings from the last 3–12 months, without requiring 2–3 years of self-employment accounts. If you are paid through the Construction Industry Scheme and have a regular payment history, we can help you obtain a competitive mortgage, whether you are a bricklayer, carpenter, electrician, or any other tradesperson in the industry.