FAQs – CIS Contractor Mortgages
If you are paid under the Construction Industry Scheme (CIS), getting a mortgage can feel confusing.
Different lenders assess CIS income in different ways and it is not always clear how your payslips,
vouchers and day-rate will be used for affordability. This FAQ section brings together common questions
CIS contractors ask when they are looking to buy or remortgage a home in the UK.
What you will find in our CIS contractor mortgage FAQs
- How CIS contractor mortgages work and how your income is calculated
- Typical documents lenders expect, including CIS payslips and bank statements
- Whether it is harder to get a mortgage as a contractor or subcontractor
- Options if you have a limited credit history or past credit issues
- Which types of lenders are more experienced with CIS applications
Every lender has its own criteria, so the right approach for one CIS worker may not be right for another.
Speaking to a specialist CIS contractor mortgage broker can help you understand how much you might be able to
borrow and which lenders are more likely to consider your application.
If you are a CIS subcontractor or self-employed construction worker and are unsure where to start, use the
FAQs below as a guide and then get in touch for personalised CIS mortgage advice based on
your own income, contracts and future plans.
