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.
“Solutions where others gave up”
Our customers find us when their situation isn’t straightforward, and we provide solutions where others gave up.
See how we’ve helped those who were previously told no - find out if we can help you too.
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Straightforward, no jargon advice
Support at every stage
Questions encouraged
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Including weekends & bank holidays!
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 impartial 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
READY TO GET STARTED?
MAKE AN ENQUIRY
Takes 30 seconds
Basic information
Reply within 24 hours
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
