Mortgages for CIS Contractors,

Made Simpler

If you’re paid under the Construction Industry Scheme, we’ll help you find mortgage options that reflect your real earning potential, not just a standard employed or self-employed box.

Specialist support for contractors, subcontractors and trades across the UK.

Mortgage Advice That

Understands CIS Income

If you’re paid under CIS, your income doesn’t always fit neatly into the traditional way many lenders assess mortgage applications. That can make borrowing feel more complicated than it should be.


At My Choice Mortgage, we work with lenders that understand CIS income and may assess your affordability using your payslips, bank statements, day rate or gross contract income rather than asking for years of accounts.


That means your application may be stronger than you think — as long as it is presented to the right lender in the right way.

What Is a

CIS Contractor Mortgage?

A CIS mortgage is not a separate mortgage product. It simply refers to the way some lenders assess income for workers paid under the Construction Industry Scheme.


Many high street lenders treat CIS workers as self-employed, which can lead to more paperwork, lower borrowing calculations or unnecessary delays. But specialist CIS-friendly lenders may take a more practical view and assess income in a way that better reflects how you actually earn.

Traditional route can mean more paperwork

2–3 years of accounts may be requested by lenders that do not assess CIS income flexibly.

Specialist lenders may use CIS payslips and bank statements

A shorter evidence window may be enough in the right case.

Day rate or gross income can improve affordability

This can sometimes increase borrowing potential compared with standard self-employed underwriting.

What Is a

CIS Contractor Mortgage?

A CIS mortgage is not a separate mortgage product. It simply refers to the way some lenders assess income for workers paid under the Construction Industry Scheme.


Many high street lenders treat CIS workers as self-employed, which can lead to more paperwork, lower borrowing calculations or unnecessary delays. But specialist CIS-friendly lenders may take a more practical view and assess income in a way that better reflects how you actually earn.

Traditional route can mean more paperwork

2–3 years of accounts may be requested by lenders that do not assess CIS income flexibly.

Specialist lenders may use CIS payslips and bank statements

A shorter evidence window may be enough in the right case.

Day rate or gross income can improve affordability

This can sometimes increase borrowing potential compared with standard self-employed underwriting.

Who We Help

We help a wide range of workers paid under CIS, whether you’re buying, moving, remortgaging or investing.

Bricklayers

Electricians

Plumbers

Carpenters and joiners

Groundworkers and scaffolders

Site managers, supervisors and specialist subcontractors

If you’re unsure whether your income fits CIS criteria, just ask — we’ll talk it through with you.

How Some Lenders Assess CIS Income

Some specialist lenders may calculate CIS affordability using a formula based on your day rate and working pattern, rather than relying only on tax calculations.


For example, a lender may look at your day rate multiplied by five days per week over 46 to 48 working weeks in a year. This can sometimes give a fairer reflection of your true earning power.


Of course, every lender is different — and the right route depends on your income history, documents, deposit and credit profile.

Example


£200 per day × 5 days × 46 weeks = £46,000 annualised income

This is only an example for illustration. Actual lender criteria and affordability will vary.

Documents CIS-Friendly Lenders Often Ask For

  • 3 to 6 months of CIS payslips
  • 3 to 6 months of bank statements
  • Proof of ID and address
  • Current contract, where applicable
  • Deposit details and supporting documents if needed

In many cases, full company accounts may not be needed. We’ll tell you exactly what’s required before you apply, so you can prepare with confidence.

Mortgage Options for CIS Contractors

First-Time Buyer Mortgages

Being paid under CIS does not stop you getting on the property ladder. We help first-time buyers understand deposit requirements, affordability and the application process from start to finish

Remortgages

If your current lender assessed you in a less favourable way, a remortgage review could reveal better options, lower payments or extra borrowing potential.

Home Mover Mortgages

Moving home as a contractor can feel more complex if your income is misunderstood. We help present your application properly so your next move feels more achievable.

Buy-to-Let Mortgages

If you’re building wealth through property, we can help you explore buy-to-let options suited to your income profile and goals.

If you’re building wealth through property, we can help you explore buy-to-let options suited to your income profile and goals.

CIS mortgages are often less about whether you can afford a property and more about whether the lender understands how you’re paid.


Approaching the wrong lender can lead to delays, lower borrowing calculations or outright decline — even when your income is strong. We help avoid that by identifying lenders that understand CIS and packaging your application properly from the start.

Access to lenders that accept CIS income

Better presentation of your income and documents

Less guesswork around affordability

Support from first enquiry through to completion

Clear advice without unnecessary jargon

Our Simple CIS Mortgage Process

We Review Your Income Properly

We look at how you’re paid, what documents you have and which route is likely to suit you best.

We Match You With Suitable Lenders

We compare lenders more likely to understand CIS income, payslips and day rate calculations.

We Support the Application From Start to Finish

Our team will be on hand to submit your application, help manage the process for you and hold your hand every step of the way, through to completion.

CIS Mortgage FAQs

Do I need two or three years of accounts for a CIS mortgage?

Not always. Some lenders may assess your application using CIS payslips, bank statements and contract income instead.

Can I get a mortgage if I’ve recently started under CIS?

Possibly. It depends on your overall history, continuity of work, deposit and the lender’s criteria.

Can CIS income increase how much I can borrow?

In some cases, yes. A lender using day rate or gross contract income may assess affordability more favourably than a standard self-employed route.

Do you help CIS contractors across the UK?

Yes. We advise clients across England, Scotland and Wales through phone and video appointments.

Speak to a CIS Mortgage Specialist

Find out how lenders may assess your income and what your next steps could look like.

Your Income Works Differently, Your Mortgage Advice Should Too

If you’re paid under CIS, we’ll help you explore mortgage options that reflect the way you actually earn.