CIS CONTRACTOR MORTGAGES
Income doesn’t fit lender rules?
We specialise in CIS contractor mortgages
Your home may be repossessed if you do not keep up repayments on a mortgage.
The Financial Conduct Authority does not regulate some forms of Buy-to-Lets.
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STRUGGLING TO GET A MORTGAGE AS A CIS CONTRACTOR?
Being paid under the Construction Industry Scheme can make lenders say no - even when your income is strong.
Banks often misunderstand CIS income, which can limit options or stop a purchase or remortgage altogether.
Common reasons CIS contractors are declined:
Income assessed incorrectly
Short trading or contract history
Day-rate income not accepted
Gaps between contracts
THERE ARE BETTER OPTIONS
Specialist lenders take a more practical view of CIS income.
With the right lender and structure, a purchase or remortgage is often still possible - even when banks won’t help.
CIS MORTGAGE SPECIALISTS
We’re independent mortgage advisers who arrange CIS contractor mortgages every day.
Access to CIS-friendly lenders
Clear, honest advice
A realistic plan to secure the right mortgage
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WHY THE BANKS SAY “NO”
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Many lenders don’t understand CIS pay structures and treat income inconsistently, which can lead to reduced borrowing or outright declines.
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Banks often want long, uninterrupted employment histories, even though CIS work can be steady but contract-based.
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Some lenders rely on payslips alone and fail to assess income properly using contracts or gross earnings.
SPEAK TO AN EXPERT TODAY
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A previous decline doesn’t mean there are no options. It usually means the lender wasn’t right for your situation.
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No. An initial conversation and assessment won’t affect your credit file.
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That depends on your situation, but we focus on clear answers and efficient progress from the start.
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This is not a problem at all. Our role is to explain things clearly, without jargon, so you always know what’s happening.
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We assess your situation, explore suitable lenders, and guide you through the process — helping you avoid common pitfalls along the way.
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We will only supply exactly what the lender asks to avoid delaying the process. We also keep minimum documents needed for our internal compliance.
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That’s our job. We compare this for you and check what lenders are available, so you can make the right choice without having to do it yourself.
GEORGE GRIFFITHS
MANAGING DIRECTOR
