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Construction Industry Scheme (CIS) Mortgage Advice

Construction Industry Scheme (CIS) Mortgage Advice

Are you a construction industry contractor or subcontractor looking for a mortgage? Do you wonder what you will be able to afford and how lenders will assess your case? If so, we can help with Construction Industry Scheme (CIS) Mortgage Advice. We know which specialist lenders to talk to about CIS mortgages and we know how to present your income. You are more likely to have a successful outcome if you use a specialist broker like us.

Construction Industry Scheme (CIS) Mortgage Advice

CIS mortgages explained

As a construction industry contractor or subcontractor being paid through the CIS scheme, you may have had problems in the past when applying for a mortgage. This is because of the way you are paid.

Most lenders will treat you as self employed and expect you to provide tax returns. This means they only use the net profit figure to support your application which is a much lower income figure than you actually earn.

This is where we can help. We know which lenders will treat those working under the Construction Industry Scheme (CIS) the same as employees and therefore allow us to use your gross income before tax and expenses are deducted.

These CIS lenders will generally require at least 12 months’ worth of CIS payslips or statements to consider an application. However, it is possible to get a mortgage with as little as 3 months evidence.

Because CIS mortgages are more complicated than standard mortgages, we advise that you speak to a specialist mortgage broker like us. We have in-depth knowledge of the mortgage market and know which lenders will work for your situation.

You are more likely to have a successful outcome if you use a specialist broker like us.

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Why choose us?

We are not like other brokers. We have over 80 years of experience in the mortgage and protection industry. We have particular experience with working with Contractors and Self Employed people.

When you speak to us, you’ll get our expert service:

  • Take time to get to know you and your intentions
  • Personalised, hard working service
  • Close relationships with specialist lenders
  • Detailed research to ensure you save money
  • Take care of the paperwork to minimise stress
  • The experience to get a good result for you

We have over 100 five star reviews on Google and over 90 verified reviews on VouchedFor. And we would love to work hard for you.

To speak to a member of the mortgage advice team about for CIS mortgage advice ring Your Mortgage Expert now on 01722 322683. Or complete a contact form using the link below.

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  • Dan Harris mortgage adviser photo

    Dan Harris - Mortgage Adviser

    Dan Harris first started working in mortgages in 2004. Since then, he has helped lots of Contractors. Dan has great attention to detail and will do the hard work to ensure you get the best recommendation.
    Email Dan Harris
  • Dan Allen mortgage adviser

    Dan Allen - Mortgage Adviser

    Dan Allen has worked with mortgages for over 10 years. He takes time to understand different lender criteria. His wealth of knowledge means he will know which lenders will work for you situation.
    Email Dan Allen

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Registered Office Address: 18 New Canal, Salisbury, England, SP1 2AQ. Registered in England Number: 08924507.

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