Mortgages for CIS Workers
We understand the Construction Industry Scheme. While high-street banks might struggle with your income structure, we work with lenders who recognize your true earning potential.
Income Recognition That Works for You
If you're a contractor working under the CIS, your tax returns often don't tell the whole story. By using your gross CIS slips, we can help you secure a mortgage that reflects what you actually earn.
Gross Pay Assessment
Lenders use your gross pay before tax and expenses, significantly increasing your borrowing power.
Short History Options
Access mortgage deals with as little as 3-6 months of CIS history in some cases.
Expert Calculation
We know exactly which lenders will offer you the most based on your specific CIS slips.
Your CIS Mortgage Journey
A step-by-step guide to what to expect during the process.
Income Review
We analyze your CIS slips to calculate your maximum borrowing potential across all lenders.
Specialist Sourcing
We identify lenders who prioritize CIS gross income over net profit for affordability.
Full Application
We handle the paperwork, ensuring your income is presented correctly to the underwriter.
Completion
We manage the process through to the end, getting you into your new home sooner.