CIS Workers

CIS Workers Mortgages (Construction Industry Scheme)

If you’re paid under CIS, you’ve probably heard “computer says no” far too often — especially when you’re trying to buy with a smaller deposit or your income doesn’t fit a standard payslip box.

At Mortgage321, we specialise in making CIS income work properly. In many cases, CIS applicants can be assessed as employed (rather than self-employed), which can unlock higher borrowing and more lender choice — including high LTV options.

Why CIS mortgages can be a big advantage

Treated as employed up to 95% LTV
That means some CIS workers can access mortgage options with as little as a 5% deposit — a huge help for first-time buyers and anyone trying to keep cash back.

Affordability based on gross income
Many lenders we use can assess CIS affordability using a gross income calculation, typically:
Day rate × 5 days × 46 weeks
This often produces a noticeably higher usable income figure than net averages — and in the right scenario we can consider borrowing up to 6× income*.

New CIS contract? Still possible

Starting a new contract doesn’t automatically rule you out.

If it’s your first CIS contract, we can often proceed where you have:

• 24 months’ experience in the same role/line of work, and
• At least 1 month remaining on the contract or a confirmed renewal.
  
  No contract available? We can still build a case
  If you can’t provide a current contract, don’t panic — it can still be workable with the right supporting documents, such as:
• Last 3 months’ payslips
• Accountant confirmation of 12 months’ CIS income
• Latest month’s bank statement
• Employer letter confirming: your start date, and you’re expected to continue for the foreseeable future

Umbrella / day rate / fixed term contractors
If you’re working via an umbrella, on a day rate, or on a fixed-term contract, many lenders will treat you as standard employed — which keeps things simple, clean, and quick when the documents line up correctly.

What we’ll need from you (CIS mortgage checklist)
To assess your CIS mortgage options properly, we’ll typically ask for:

• Photo ID
• Latest proof of address (if needed)
• CIS payslips / remittance statements (where available)
• Bank statements (usually latest month, sometimes 3 months depending on the case)
• Contract and/or employer confirmation (if applicable)
• Accountant confirmation where required
   
  Ready to check what you can borrow?
  Tell us your day rate, deposit, and property price range, and we’ll come back with clear, lender-matched options — including what’s achievable at 90–95% LTV where suitable.

*Income multiples and LTV are subject to lender criteria, credit profile, affordability assessment, and property type.