CIS Worker Mortgages
Specialist mortgage advice for CIS registered subcontractors. We work with lenders who assess your gross CIS income — not just the net figure on your tax return.
Gross Income, Not Net
Construction Industry Scheme (CIS) workers are often at a disadvantage with mainstream lenders who treat them as self-employed and assess income based on net profit after tax deductions. At Chess Mortgages, we work with specialist lenders who understand CIS income and assess your gross contract income — the amount you actually earn before CIS deductions are taken.
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How CIS Income Is Assessed
Under the CIS scheme, contractors deduct tax at source (typically 20%) before paying subcontractors. This means your gross income is significantly higher than the net amount shown on your bank statements. Specialist lenders assess your gross income — the true value of your work — giving you access to larger mortgages.
For example, if your CIS payslips show £1,000/week after 20% deduction, your gross weekly income is £1,250 — or £65,000 annually. Mainstream lenders might only use your net self-employed profit, which could be considerably lower.
Who Is This For?
- • Registered CIS subcontractors in construction, building and trades
- • CIS workers who have been declined by high street lenders
- • CIS workers whose net income doesn't reflect their true earnings
- • First-time buyers working under CIS
- • CIS workers looking to remortgage to a better deal
How It Works
Initial Consultation
We discuss your situation, income, goals and any concerns — at our expense and without obligation.
Market Search
We search our extensive lender panel including specialist lenders to find the best deal.
Application
We prepare and submit your application, managing all lender communications.
Completion
We coordinate with solicitors and the lender through to completion day.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Chess Mortgages is a trading style of Chess Property Services (London) Limited (Company No. 6575229), authorised and regulated by the Financial Conduct Authority (FCA No. 748976).
Frequently Asked Questions
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Speak with one of our expert advisers today — initial consultation at our expense, and without obligation.