CIS Mortgage Broker

If you work in the construction industry and are paid under the Construction Industry Scheme (CIS), getting a mortgage can feel complicated. At Jones & Young, our trusted CIS mortgage brokers make the process simple. We help self employed construction workers, contractors, and CIS subcontractors access competitive mortgage deals by using your CIS income to demonstrate affordability, providing expert cis mortgage advice .

Unlike traditional mortgages that rely on tax returns or net profit, a CIS mortgage is based on your gross income, helping you potentially borrow more and secure a better deal. Our team handles the entire mortgage application process from start to finish, ensuring a clear, stress free experience every step of the way.

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      EXCELLENT  
   Based on 60 reviews 
    
 
 
 
   
 
 
       Posted on Google  
    David Simpson 
 14 July 2025
 
 
 Trustindex verifies that the original source of the review is Google. Dealt with Mark regarding a difficult situation i was in with 1 years accounts with my LTD company , he couldn't have been more helpful and was full of great advice and knowledge , i would 100% recommend Mark , will use him in the future and will recommend him to my friends
  
 
      Posted on Google  
    Allison Banks 
 14 May 2025
 
 
 Trustindex verifies that the original source of the review is Google. Mark was incredibly patient and helpful throughout the entire mortgage process. He took the time to understand my needs and always went the extra mile to find the best possible deal. His guidance made a complex process feel straightforward and stress-free. I highly recommend Mark for anyone looking for a dedicated and knowledgeable mortgage broker.
  
 
      Posted on Google  
    Lottie Brown 
 29 April 2025
 
 
 Trustindex verifies that the original source of the review is Google. Mark was extremely helpful with getting me and my partner our mortgage. My partner is self employed and Mark was able to get us our mortgage with no hassle at all! We would 100% recommend Mark. We really can’t thank him enough!☺️
  
 
      Posted on Google  
    Simon McClelland Morris 
 16 March 2025
 
 
 Trustindex verifies that the original source of the review is Google. We recently engaged with the J&Y team about a mortgage. We spoke to Mark who was very welcoming and friendly, getting to know us through conversation, and discussing the potential property we were looking at. This all helped confirm our interest in the house and gave Mark a good platform to be able to offer us advise on the correct mortgage for us as a family.
  
 
      Posted on Google  
    Megan-McKenzie Osborn 
 10 March 2025
 
 
 Trustindex verifies that the original source of the review is Google. Would recommend to absolutely everyone! Sheila was amazing at not only securing us our mortgage offer but also the process afterwards as we were first time buyers we did not know much but Sheila was more than happy to talk us through the steps, going above and beyond her job role! Sheila was always available to answer questions and put our worries at ease and as someone who stresses about everything this made the process so much more bearable. Very responsive and helped through the entire process!

Thank you so so much and we are so grateful. Highly recommend and will be referring to friends and family.
  
 
      Posted on Google  
    Kyle Layland 
 27 February 2025
 
 
 Trustindex verifies that the original source of the review is Google. I cannot express my gratitude enough to Richard Young. As a first time buyer I came into the house purchase process completely clueless and Richard helped me through every step of the way. From our first introductory call years back when I started saving through to today he's been exceptional and always gone above and beyond. We're now weeks away from completing on our home and Richard is continuing to help, from securing Home and Contents Insurance quotes to persistently searching to see if he can get us a lower interest rate before our mortgage goes live. If you are looking for a trustworthy, knowledgable and down to earth broker then look no further than Jones&Young. I guarantee you he will have your best interests at heart.
  
 
      Posted on Google  
    Samuel T 
 22 January 2025
 
 
 Trustindex verifies that the original source of the review is Google. Can't recommend these guys enough! From Mark in the initial stages to Sheila seeing it all through! Absolutely superb!
  
 
      Posted on Google  
    kobir khan 
 18 December 2024
 
 
 Trustindex verifies that the original source of the review is Google. Hands down one of the best service I have ever received. Sheila was and is amazing. Always there to help with any of my queries.(No matter how silly they can be)

Honestly don't think you will get a better mortgage broker than Shiela.
  
 
      Posted on Google  
    Charlotte Pearson 
 26 November 2024
 
 
 Trustindex verifies that the original source of the review is Google. We couldn't be happier with the service Jones&Young provided to  help us get a mortgage! This was a very long process, and Sheila our mortgage broker was thoughtful, hardworking and extremely knowledgable to achieve the mortgage we needed to get us started, as first time buyers, on the property ladder. Thank you so much!
  
 
      Posted on Google  
    Nidal Chehadeh 
 20 November 2024
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of working with Jones and Young Limited, and I can't recommend them enough. From start to finish, the experience was seamless, efficient, and stress-free.

Sheila Blacklaw was incredibly knowledgeable about the mortgage process and took the time to explain all of the options available to me. She truly listened to my needs and found a solution that perfectly aligned with my financial goals. What stood out the most was her clear communication and her dedication to going above and beyond to ensure I understood every step of the process.

She was always available to answer any questions, no matter how small, and her professionalism gave me the confidence that I was in great hands. Thanks to her hard work, I secured a fantastic rate and was able to close on my dream home faster than expected.

If you’re looking for a mortgage broker who truly puts their clients first, look no further than Jones and Young Limited (Sheila Blacklaw). I’ll definitely be recommending them to my friends and family!
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

What Is a CIS Mortgage?

A CIS mortgage is a type of home loan designed specifically for people working under the Construction Industry Scheme (CIS). It’s ideal for CIS subcontractors, construction workers, and other self employed individuals, including cis workers, who receive regular payments through the CIS scheme.

Instead of relying on tax returns or net profit, a CIS mortgage uses your CIS payslips and gross income to calculate how much you can borrow. This approach gives a clearer reflection of your true earnings and helps increase your borrowing potential. Many CIS workers find they can access higher borrowing limits through this route than with traditional self employed income.

If you’ve struggled to get approved elsewhere because of your employment type or documentation, a CIS mortgage could be the key to securing your new home, along with tailored mortgage advice.

How Do CIS Mortgages Work?

When applying for a CIS mortgage, lenders assess your CIS income differently from standard applications. Instead of basing affordability on your net income or accountant-prepared figures, most mortgage lenders will look at your gross income from your recent CIS statements or bank statements.

Typically, traditional lenders require one to three years of tax returns, which can disadvantage self employed applicants who offset business expenses. With a CIS mortgage, however, lenders take an average of your gross pay from the last three to six months of CIS payslips, giving a fairer and often higher estimate of your annual income.

This method allows CIS contractors and other self employed workers to potentially borrow more, making homeownership more achievable even if your income varies month to month.

Why Use a CIS Mortgage Broker?

Working under the Construction Industry Scheme (CIS) can make securing a mortgage more complex, especially if your income fluctuates or you’ve been self employed for a short time. That’s where Jones & Young’s team of experienced CIS mortgage brokers can help.

As a specialist mortgage broker, we act as the link between CIS workers and CIS lenders, ensuring your application is presented in the best possible light. Our brokers know exactly which lenders to approach and how to showcase your CIS income effectively, helping you avoid the wrong lender and improve your chances of approval.

We work with many lenders, including CIS friendly lenders and specialist mortgage lenders who understand the construction industry and how CIS income works.

With Jones & Young’s team of expert mortgage advisers by your side, you’ll have access to better rates, more options, and ongoing guidance designed to help you secure your mortgage with confidence.

Here’s how we support you we support you

Compare deals from across the market to find the right lender for your situation

Handle every stage of your mortgage application, saving you time and stress

Liaise directly with lenders to ensure a smooth and efficient process

Provide clear, honest mortgage advice relevant to your circumstances

Deliver a straightforward, stress free experience from start to finish

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

Jones & Young’s team of expert brokers will assess your individual circumstances and match you with the right lender to improve your mortgage chances, even if your situation isn’t straightforward.

Who Can Get a CIS Mortgage?

A CIS mortgage is designed for people working in the construction industry who are paid through the Construction Industry Scheme (CIS). Unlike traditional lenders, CIS mortgage lenders understand that income can vary from month to month, and they’re far more flexible when assessing eligibility.

Here are the types of borrowers who can benefit from a CIS mortgage:

Self employed workers

Whether you’re a sole trader, limited company director, or subcontractor registered under the CIS scheme, you can often qualify for a CIS mortgage using your CIS payslips instead of full trading accounts.

CIS contractors and subcontractors

Even if you’ve been trading for less than a year, many lenders will still consider your application if you can show consistent CIS income. This helps you build mortgage chances much earlier than through standard self employed routes.

Those with irregular income patterns

If your work fluctuates month to month, CIS lenders use your gross pay to calculate affordability rather than focusing on uneven earnings. This provides a fairer view of your income and may help you potentially borrow more.

Applicants with bad credit

Having a poor credit report doesn’t automatically mean rejection. Some CIS friendly lenders specialise in helping those with bad credit, assessing your financial situation more fairly and giving you a realistic path to homeownership.

How Jones & Young Help You Get a CIS Mortgage?

At Jones & Young, our expert mortgage brokers make the process of securing a CIS mortgage simple and stress free. With years of experience helping construction professionals, we know exactly how to present your CIS income and connect you with the right lender.

Here’s how we guide you from start to finish:

Initial consultation and affordability review

We begin by reviewing your CIS pay slips and bank statements to assess your income, affordability, and borrowing potential.

Matching you with the right lender

Using our network of CIS friendly lenders and specialist mortgage lenders, we’ll compare mortgage deals across the market to find the best fit for your circumstances.

Managing your application

Your dedicated mortgage advisor handles all paperwork and communication with lenders, ensuring your application is accurate, complete, and processed smoothly.

Securing the best deal

We negotiate competitive interest rates and flexible terms to help you secure approval quickly and with minimal stress.

Our personalised CIS mortgage advice ensures every client receives clear guidance, expert support, and genuine care from an experienced CIS mortgage expert who understands the challenges self employed workers face.

Calculate Your Mortgage Affordability

Our easy-to-use mortgage calculator helps you understand what you can afford before starting your application. Simply enter your details to estimate how much you could borrow, monthly payments based on your loan amount and the effect of different interest rates on overall affordability.

Access to Specialist Mortgage Lenders

Some borrowers face challenges getting approved, particularly those with complex income or credit histories. At Jones & Young, we work with a wide network of specialist lenders who take a more flexible view of your financial situation. Whether you’re self-employed, a contractor, or managing multiple commitments, we help match you with specialist mortgage options that suit your circumstances. Our focus is on keeping the process clear and stress-free, securing solutions that support your goals and help you move forward with confidence.

Why Choose Jones & Young

Choosing the right specialist mortgage broker can make all the difference. At Jones & Young, we’re proud to be independent, experienced, and trusted by CIS workers across the UK.

Here’s why clients continue to choose us:

Over 30 years of experience helping CIS contractors and self employed workers
Independent mortgage advisers offering whole-of-market access to many lenders
A reputation for honest, transparent, and stress free service
Personalised mortgage advice designed around your goals and situation
Access to insurance advice and financial protection for every client

Whether you’re a first-time buyer or looking to remortgage, Jones & Young’s expert team can help you find the right lender and secure the deal you deserve.

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Read What Our Customers Say

Our customers are at the heart of everything we do, and their feedback speaks for itself. Many describe our brokers as friendly, knowledgeable, and always willing to go the extra mile to help them secure the best deal.

Katie Porter

28/06/2026

Being so young and feeling so lost in the whole house movement progress can be very daunting. My partner and I were recommend Sarah to be our mortgage advisor and this turned out to be the best decision we made...

Natalia Dobrzanska

17/12/2025

Amazing service! I was looking for an experienced broker who would be able to help secure a mortgage for a CIS worker. While other brokers said no, or took their time to book us in Richard and his team guided...

Maria Morgan

01/07/2026

I was so lucky to get an introduction to Jones and Young, especially Richard. He has been outstanding in helping me finally getting the Equity Release I have needed and it was a pleasure to deal with him. In this...

Chris Watterson

17/06/2026

Top quality service - I needed help getting a mortgage due to being self-employed and a complex case. Richard and Mark have incredible knowledge of the market and were able to work out which providers would look favourably on my...

Christopher Hall

25/02/2026

Top service from Mark and Jane. Process was smooth and informative, Mark gave me a lot of confidence around what can be quite a difficult process, was available when I needed him and provided clear and concise information. Would 100% recommend...

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CIS Mortgage FAQs

If you’re new to CIS mortgages, it’s natural to have questions. Below, we’ve answered some of the most common queries to help self employed construction workers understand how the process works and what to expect when you get a mortgage through the Construction Industry Scheme.

What documents do I need to apply for a CIS mortgage?

Most CIS mortgage lenders will ask for:

Three to six months of CIS payslips or statements
Recent bank statements showing regular income
Proof of ID and address
Your Unique Taxpayer Reference (UTR) number

These documents help lenders verify your gross income and ensure your mortgage application runs smoothly.

Can I get a CIS mortgage if I’ve been self employed for less than a year?

Yes, many CIS friendly lenders will still consider your application if you’ve been trading for less than a year, provided you can show consistent CIS income. Specialist brokers like Jones & Young know which lenders to approach based on your trading history.

Can I get a CIS mortgage if I’ve been self employed for less than a year?

How are CIS mortgages calculated?

CIS mortgages are typically assessed using your gross pay from recent CIS statements. Lenders usually average your earnings from the past three to six months to estimate your annual income. This approach allows you to get a mortgage based on your true earning potential rather than your net profit or tax returns.

Do CIS lenders accept bad credit?

Yes. Some CIS mortgage lenders work specifically with applicants who have bad credit or limited credit history. Jones & Young’s team provides specialist CIS mortgage advice to help present your case clearly and match you with lenders who take a fair view of your financial situation.

How much can I borrow based on my CIS income?

Most CIS mortgages allow borrowing around four to five and a half times your gross income, depending on your credit report, deposit, and overall affordability. A larger deposit and clean payment history can often improve your borrowing power.

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