CIS Worker Mortgages
Mortgages based on your CIS gross income — not just net pay — with lenders who understand vouchers and short-term contracts.
We specialise in CIS mortgages for long-term and short-term site work. Many lenders we work with can assess affordability using your gross income from CIS statements/vouchers, which may increase what you can borrow compared to using net income or SA302s alone.
Why Us for CIS
- Access to lenders using gross CIS income for affordability.
- In many cases just 3+ months of CIS statements accepted.
- Comfortable with multiple short contracts or agencies.
- Support for newly CIS workers (limited trading history).
Who We Help
General construction workers, carpenters & joiners, bricklayers, plasterers, painters & decorators, electricians, plumbers, roofers, tilers, HVAC, demolition, landscapers, scaffolders and more.
What Lenders Look For
- Regular recent CIS income (vouchers/statements).
- Stable contracting history (gaps explained).
- Deposit & credit profile.
Typical Documents
- Last 3–12 months CIS vouchers/statements.
- Bank statements (usually 3–6 months).
- Photo ID, proof of address, deposit evidence.
- SA302s/tax year overviews if required (case by case).
FAQs
Can lenders use my CIS gross pay?
Yes — many specialist lenders will treat your CIS gross as income for affordability, which can increase your maximum borrowing versus net income.
How much CIS history do I need?
Some lenders accept as little as 3 months; others prefer 6–12 months. We’ll match you to the right provider based on your history.
What if I’ve had gaps between contracts?
Short gaps are common in construction. We’ll explain them to the lender and position your overall income pattern positively.
Do I need full accounts or SA302s?
Not always. For many CIS cases, recent CIS statements are enough. Some lenders may still request SA302s — we’ll guide you.
How much deposit do I need?
From 5% is possible, though 10%+ often gives better rates. Your credit profile and income shape the options.
Your home may be repossessed if you do not keep up repayments on your mortgage.