Mortgages for CIS workers and subcontractors
If you're paid through the Construction Industry Scheme, some lenders will assess your gross CIS income - which can mean borrowing considerably more than a standard self-employed assessment allows.
Important: Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Your payslips can work harder than your accounts
Most banks treat CIS subcontractors like any other self-employed applicant: two or three years of accounts, income averaged down, expenses deducted. But a group of specialist lenders takes a different view - they read your CIS payslips like an employed person's wage slips and assess your gross income before the 20% or 30% deduction.
The difference in what you can borrow can be substantial. We work with these lenders regularly, so we know exactly which ones will treat you fairly, what evidence they want, and how to present your income so the application goes through smoothly.
CIS mortgage advice, done properly
Gross income assessment
Lenders who assess your gross CIS income rather than net profit - often meaning a much higher borrowing figure.
Shorter trading history
Some lenders accept as little as 3 months of CIS payslips, particularly with a prior track record in your trade.
Simple documentation
Usually just payslips, bank statements and ID - no need to wait years for accounts before applying.
Realistic affordability
We calculate your borrowing the way the lender will, so you search for property with a figure you can trust.
First-time buyers & movers
Whether it's your first home or your next one, we handle purchases, remortgages and everything in between.
Income protection
CIS work means no sick pay - we'll explain income protection options that keep the mortgage paid if you can't work.
More on self-employed
See what your CIS income could borrow
Book a free consultation, tell us roughly what you earn, and we'll come back with realistic figures from the right lenders.
Or visit our contact pageWhat our customers say
"As a contractor I'd been turned down before. They knew exactly which lenders to approach and we completed in weeks."
"Silver Oak made our first mortgage feel completely manageable. Every step was explained clearly and we never felt rushed."
"Genuinely calm, professional advice. They saved us a real amount each month and the process was effortless."