Calculator For CIS Mortgages

CIS Mortgage Calculator

As a part of the Construction Industry Scheme (CIS), you might be curious about your borrowing capacity. Here at Jones and Young, we offer a service that provides comprehensive information about CIS mortgages, helping you determine your potential borrowing amount.

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Use Your Gross Pay

3 Months CIS Statements

Only 5% Deposit

Purchase or Remortgage


Jones and Young: Expert CIS Mortgage Brokers

Here at Jones and Young, we’re experts in finding CIS mortgages for construction industry scheme workers. We’ll leverage our in-depth knowledge and industry expertise to secure you the best offers from mortgage lenders, regardless of your affordability.

Our extensive market access connects you to a wide range of CIS mortgage lenders, including those specifically catering to CIS workers. They’ll consider your gross and net income and give you a competitive quote based on your CIS payslips and self-assessment tax return.

But our services extend far beyond just advice. We offer complete support throughout the mortgage application process. From completing all necessary paperwork to simplifying complicated application forms, we ensure your mortgage journey is seamless and hassle-free. We can even help if you have bad credit, self-employed or a company director . Simply get in touch with us today, and we’ll help you secure the best CIS mortgages available.

Absolutely! Once you’ve received a quote with your estimated borrowing amount, you can explore properties that align with your budget. Please remember the calculated amount is an estimate, and the final mortgage approval will depend on various factors, which we can guide you through.

Worried about your credit history impacting your CIS mortgage? At Jones and Young, we’re here to assist. We understand the hurdles with a less-than-perfect credit score can present and have strategies to overcome them. We can provide insight and recommendations for improving your credit and maximising your borrowing power. For more information why not look through our guide on CIS Mortgages With Bad Credit.

To get the best CIS mortgage out there, chat with an experienced CIS adviser now!

As a specialist CIS mortgage lender, Mark sees things differently, letting him choose a mortgage that’s the best fit for you. Why not book a call today to discuss some of the best options.

How Do You Calculate What A CIS Subcontractor Can Borrow?

The amount you can borrow on a CIS mortgage depends on a few factors:

As mentioned, mortgage lenders will use your gross income (before tax and other deductions) to assess how much you can borrow. This often allows for a larger mortgage than previously possible based on bank statements.

As with any type of mortgage, your credit history will significantly impact how much you can borrow. If you have a good credit history, this demonstrates to lenders that you are reliable and likely to meet your repayments. Therefore, you’re more likely to be able to have a bigger loan and lower rate.

The size of your deposit will also impact how much you can borrow. If you put down a larger deposit, you’ll benefit from lower rates, as the lender will consider you more reliable.

This ratio, which compares your overall debt to your income, is used by lenders to determine your ability to manage payments.

Mortgage lenders typically offer 4-5 times your annual income, but it can vary depending on the lender and the individual circumstances. However, this is not set in stone, as the factors above will heavily influence the borrowing amount.

Our Reviews

"Thanks Mark for doing such a great job in getting us our mortgage. It wasn't a straight forward situation and your expertise was vital in allowing us to purchase our new home."
Neil Kerr
"Mark has been great, helped me understand each stage and explained it clearly. Responds quickly. Very happy indeed and would definitely recommend!"
Sonia Hickman
"Professional and friendly, great service. Thank you for your help with my mortgage during a very challenging year."
Shahid Rahman
"As first time buyers, finding offers was incredibly tough. Richard went out to individual lenders and created a bespoke offering tailored to us. The communication was crystal clear and he was always available. Impeccable service!"
Adam West
90-95% Loan to Value (LTV)

Loan to Value(LTV) options typically 90-95%

Trusted Advice

Clear and concise advice around the best options for your needs.


Helping customers cut through the noise to understand things their way.

Gross Pay Used

The Lenders average your income over the last 3 months' GROSS pay. Not the net amount from your tax calculations.

Specialist Rates

We offer competitive rates ensuring the best price for our customers

Helping Customers Secure The Homes They Deserve

Jones & Young acts as the bridge between CIS workers and the mortgage companies that can help them. Many lenders only deal with brokers like us, meaning a wider choice of available options.

How many mortgages Jones and young have completed


Helping self-employed professionals, contractors, freelancers, and small business owners navigate the mortgage process and get the best possible deal.

Your Trusted Team Of Experts

Mark Jones

Mark Jones is a professional mortgage adviser with over ten years of experience helping construction industry scheme workers get the mortgage they deserve.

Richard Young

Richard Young is an expert in helping older clients achieve better lifestyle options with the use of a lifetime mortgage and later life lending options.

CIS Mortgage FAQs:

We’ve answered the most frequently asked questions about CIS mortgages for your convenience:

A Construction Industry Scheme (CIS) Mortgage is a mortgage designed for self-employed individuals in the UK’s CIS scheme. This deduction scheme involves contractors deducting money from a subcontractor’s payments and passing it to HM Revenue and Customs (HMRC). Not only does this ensure that contractors pay the correct income tax and national insurance amounts, but it allows them to use their gross income like an employee. This typically allows for a larger loan amount to be borrowed, meaning CIS workers get the mortgages they deserve.

Whilst you can go and get a mortgage from a bank, the chances are that they won’t be as experienced at giving specialist CIS mortgage advice. That’s where Jones and Young come in. As a specialist mortgage broker, we’re able to provide bespoke advice tailored to your unique situation. Our expertise in this specialised sector allows us to guide you through the complexities of CIS mortgages, ensuring you secure the best possible mortgage option.

With Jones and Young, you receive a dedicated service designed to navigate the specific challenges associated with CIS mortgages that most traditional banks may not fully understand.

To qualify for a CIS mortgage, you should be a registered subcontractor under the Construction Industry Scheme (CIS) within the UK construction industry. Most lenders will look for at least a year of contracting under this scheme, although some may be more flexible. Your eligibility is primarily based on your gross income, as stated on your CIS payslips or invoices. Other aspects, including your credit score, deposit size, and debt-to-income ratio, also play a significant role.

A CIS mortgage is generally calculated based on your gross income. Traditional mortgage lenders often offer a loan amount of 4-5 times your annual income. However, with CIS mortgages, your gross income is considered instead of your net profit, which usually results in a larger mortgage offer. Please note this number may vary according to the lender and additional factors such as your credit rating, debt-to-income ratio, and deposit size.

While securing a CIS mortgage can be more complex due to its specialised nature, the process becomes far more manageable with the aid of specialist brokers like Jones and Young. Many traditional lenders may not fully comprehend the CIS system, but our team’s expertise and established relationships with understanding lenders significantly increase your chances of successful application. Maintaining a good credit history and aiming for a sizable deposit to improve your mortgage prospects is also advisable.