Mortgages For CIS Workers

CIS Mortgages Specialist

Get a CIS mortgage using 3 months of CIS statements as your gross pay.

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Use Your Gross Pay

3 Months CIS Statements

Only 5% Deposit

Purchase or Remortgage

Mark Jones

Welcome To Jones & Young - CIS Mortgage Advisor

Our mortgage lenders allow us to use your CIS statements like pay slips. With only three months’ CIS statements, you can secure the right mortgage for you. For the lender’s affordability, we use your gross pay instead of your lower taxable pay that the accountant submits for your accounts. This means you get a mortgage based on what you actually earn, not just what your income tax bill and national insurance bill is! In doing so, we can save you from paying more tax and any additional rebates.

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

High Street Lenders
Only 3 Months CIS Statements
Whole of Market Access

Want To Find Out More About The Construction Industry Scheme?

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.

CIS Worker On Site

Receive The CIS Mortgage Deals You Deserve

If you’re in need of CIS mortgage advice or assistance with the mortgage process, we’re here to help. We only require three months of CIS statements as proof of income. Our expert advisers will then average your GROSS income over a 3-month period to calculate your gross annual salary. The mortgage process can often be confusing for CIS workers, as some mortgage providers view you as employed, not self-employed, this plays into your favour though, enabling you to borrow more whilst remaining as tax efficient as possible.

Our role is to deliver fast, clear and straightforward advice about the best options available. With over thirty years of combined experience in the industry, you can be sure we’ll help you find the mortgage you need.

Even if you’ve struggled to find a mortgage with other brokers, Jones & Young may be able to help. We’ll take your gross and net income into account, your construction industry scheme (CIS) payslips and provide a mortgage calculation based on these.

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 Mortgages FAQs:

We’ve done our best to try and answer the most frequently asked questions about construction industry scheme mortgages below:

A CIS (construction industry scheme) mortgage is specifically designed for self-employed construction workers who are registered under the CIS scheme. It allows you to get a mortgage using your gross pay, which can be advantageous as it often means being able to borrow more. If you were to use your annual income from your net profits, there’s a good chance you would be able to borrow much less.

Just because you are a CIS worker doesn’t mean you can’t obtain a mortgage. Not all mortgage lenders accept CIS workers, so the number of CIS mortgages is less than if you are employed or self-employed. However, if you are a CIS worker, you may be able to borrow more than if you were self-employed. Most CIS mortgage lenders use your average gross income over three months to calculate how much you can borrow. Here at Jones and Young, we need 3 months’ CIS statements as proof of your gross average monthly income rather than the end-of-year calculation from a self-assessment tax return.

CIS lenders take into account your average earnings over the last 3-6 months to estimate an annual income. Your mortgage calculation is offered based on these, your monthly payments and the lender’s own criteria. This is usually 4-5 times your annual income, and bank statements may also be required. Why not view our CIS mortgage calculator.

Yes! Just because you’re registered as self-employed does not mean you’re restricted from getting a mortgage. Here at Jones and Young, we specialise in getting you the best construction industry scheme mortgage possible. For more information, please our contractor mortgages or get in touch with one of our advisors today.

Some lenders may be willing to offer you a mortgage if you are a CIS worker but have bad credit. At Jones & Young, we have advisers that specialise in mortgages for CIS workers, whatever their credit history. However, if you need further advice on the subject, please get in contact, and an advisor will call you back.