CIS (Construction Industry Scheme) workers often struggle with mainstream lenders who don't understand CIS pay structures. Specialist mortgage lenders accept CIS income in various ways, making homeownership much more accessible for construction subcontractors.
How Lenders Assess CIS Income
Different lenders take different approaches to CIS income. Some use net income from tax returns, others will annualise your CIS payslips, and a few will use gross income before the 20% or 30% CIS deduction.
Documents You'll Need
- • 3–6 months of CIS payslips or vouchers
- • SA302s and tax year overviews (if available)
- • Bank statements showing regular CIS payments
- • Proof of ongoing work or contracts