Looking For CIS Mortgage Advice
If you work in the construction industry and are paid under the Construction Industry Scheme, you may find getting a mortgage confusing. At Jones & Young, we specialise in helping CIS workers, contractors, and other self employed individuals secure the right mortgage for their needs.
Our team of experienced CIS mortgage brokers works with a wide range of CIS mortgage lenders who understand the nature of CIS income, unlike most mortgage lenders . By using your gross income rather than your lower taxable income, these lenders can often increase your borrowing potential and improve your mortgage chances.
CIS Mortgages Explained
A CIS mortgage is designed for CIS subcontractors and construction workers who are paid under the Construction Industry Scheme (CIS). Traditional mortgage lenders often base affordability on tax returns or net profit, which can make it difficult for self employed applicants to borrow as much as they deserve.
With a CIS mortgage, lenders use your CIS payslips and bank statements to calculate your income, treating your gross pay as if it were a salary. This means your borrowing potential is often higher than with a standard mortgage based on you lower taxable declared income.
If youโre a CIS contractor, this can be a simpler, fairer way to prove your earnings and access the most CIS friendly lenders in the market.
How Do CIS Mortgages Work?
Unlike traditional lending, where mortgage lenders rely heavily on self assessment tax returns, CIS mortgages use your recent CIS payslips to determine how much you can afford to borrow. Most lenders will ask for three to six months of CIS statements to verify your gross day rate amount and work history.
This approach benefits self employed workers who offset business expenses for tax purposes, as it lets you borrow based on your true income rather than your lower declared profit.
Our team will present your CIS income to the right lender, ensuring your mortgage application is strong and straightforward from the start. With the help of a dedicated mortgage advisor, weโll handle all communication with lenders and guide you through every stage of the application process until your mortgage offer is secured.
SPEAK TO A CIS MORTGAGE EXPERT TODAY
Who Can Apply for a CIS Mortgage?
If you are paid through the Construction Industry Scheme, you may qualify for a CIS mortgage. This includes:
Self employed CIS workers
Those registered under the CIS scheme and working as sole traders or through a limited company can apply. Even if youโve been self employed for less than a year, many lenders will still consider your application if you can provide consistent CIS payslips.
CIS subcontractors and contractors
If you are a CIS contractor or subcontractor receiving regular payments, you may qualify. Most lenders will want to see stable income and evidence of recent work history within the construction industry.
Those with complex or variable income
Some CIS workers may have multiple contracts or irregular earnings. Specialist lenders are used to handling complex cases and can tailor your mortgage offer accordingly.
If you are unsure whether you qualify, our CIS mortgage advisers can review your documents and confirm your eligibility before you apply.
What Are the Benefits of a CIS Mortgage?
There are many advantages to applying for a CIS mortgage, especially if you are self employed or run your own business.
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Higher mortgage chances based on your gross income rather than net profit
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Ability to apply with just three months of CIS payslips
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Access to CIS friendly lenders who understand the construction industry
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Lower interest rates and better deals through specialist brokers
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Fairer treatment for CIS subcontractors who offset business expenses
Many lenders now recognise that CIS workers have reliable, regular income, even if it doesnโt fit traditional employment patterns. That understanding gives you a stronger position when applying.
How Much Can I Borrow on a CIS Mortgage?
Most CIS mortgage lenders allow you to borrow around four to five and a half times your gross income. For example, if you earn ยฃ50,000 annually before expenses, you could potentially borrow up to ยฃ275,000, depending on your overall profile and credit report.
The amount will also depend on your credit commitments, deposit size, and interest rates available at the time. Most lenders will expect a minimum deposit of 5 to 10 percent. If you can afford a larger deposit, you may secure a lower interest rate and more favourable terms.
To get a clear idea of your borrowing potential, try our CIS Mortgage Calculator to see how much you could borrow based on your gross pay.
Getting a CIS Mortgage with Bad Credit
Having bad credit doesnโt automatically mean youโll be declined. Some CIS mortgage lenders specialise in helping clients with late payments, defaults, or a poor credit report.
Jones & Young works with a range of specialist mortgage brokers who understand the unique circumstances of CIS workers. Weโll assess your situation with expert mortgage advice , present your case carefully, and connect you with CIS friendly lenders who are open to applicants with imperfect credit histories.
If youโre worried about past financial issues, donโt panic. We can still help you access the right mortgage for your situation.
How Jones & Young Can Help
At Jones & Young, we specialise in securing CIS mortgages for construction workers, sole traders, and self employed individuals.
Hereโs how we support you from start to finish:
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Initial consultation and affordability check
Weโll review your CIS payslips and bank statements to assess your income and affordability. -
Finding the right lender
We use our access to the most CIS friendly lenders and specialist mortgage lenders to find a deal that suits your needs. -
Handling your mortgage application
Our mortgage brokers take care of the paperwork, ensuring everything is accurate and presented clearly. -
Securing the best deal
We negotiate with lenders to get competitive interest rates and smooth approval for your mortgage offer.
Our expert cis mortgage advice is designed to make the process simple, stress free, and transparent from start to finish.
Why Choose Jones & Young
When it comes to CIS mortgages, experience matters. With more than ten years of success helping CIS workers, contractors, and self employed clients, Jones & Young has built a reputation for delivering results.
We are proud to be an independent CIS mortgage broker offering personal service and clear, honest advice. Our goal is to help every CIS worker secure a larger mortgage on fair terms, without the complications of dealing directly with multiple lenders.
From your first call to completion, our mortgage advisers provide guidance, updates, and professional support at every step.
SPEAK TO MARK OR RICHARD FOR EXPERT ADVICE
Meet the Team
Mark Jones
Mark Jones is a highly experienced CIS mortgage broker with over a decade of industry expertise. He has helped hundreds of construction workers and CIS subcontractors achieve homeownership, while also providing insurance advice even in complex financial circumstances. Mark takes pride in offering straightforward advice and securing better deals for every client.
Richard Young
Richard Young is a co-founder and respected mortgage advisor with extensive experience in specialist lending. He supports clients across all areas of the construction industry, helping them access CIS mortgages that match their goals. Richardโs calm, professional approach ensures every application runs smoothly.
Together, Mark and Richard form a trusted partnership that focuses on results, communication, and excellent service.
CIS Mortgage Advice FAQs
Weโve answered some of the most common questions about CIS mortgage advice to help you understand how it all works before you apply.
How are CIS mortgages calculated?
CIS mortgages are usually calculated using your recent CIS payslips. Lenders take an average of your gross income over the last three to six months and use that figure to estimate your annual earnings.
Can I get a CIS mortgage if Iโve been self employed for less than a year?
Yes, some CIS mortgage lenders will accept applications from workers with only 3 months of trading, as long as you can provide consistent CIS payslips and bank statements.
What documents will I need for a CIS mortgage application?
Most lenders will ask for:
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Three to six months of CIS payslips
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Recent 3 months bank statements
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Proof of identity and national insurance number
Can I get a CIS mortgage if I have bad credit?
Yes. Jones & Young work with CIS friendly lenders who are open to CIS workers with a poor credit report or late payments.
Do I need to pay income tax or provide a tax return?
You must be registered under the Construction Industry Scheme, which ensures that income tax is deducted at source for tax purposes.
