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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.

FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
24hr Response
5★ Reviews

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.

What We Can Arrange

Gross CIS income assessed, not the net figure after deductions
Lenders who understand the CIS deduction system
Income evidenced from CIS payslips, bank statements or tax calculations
Competitive rates comparable to employed applicants in many cases
Both purchase and remortgage applications
Up to 95% LTV for well-qualified CIS workers
Adverse credit considered alongside CIS income

Get Expert Advice

Free, no-obligation consultation. We'll be in touch within 24 hours.

No obligation • Initial consultation at our expense • Response within 24 hours

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

1

Initial Consultation

We discuss your situation, income, goals and any concerns, at our expense and without obligation.

2

Market Search

We search our extensive lender panel including specialist lenders to find the best deal.

3

Application

We prepare and submit your application, managing all lender communications.

4

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).

Related Services

Contractor Mortgages

Day rate based contractor lending.

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Self Employed

Specialist self-employed advice.

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Adverse Credit

Mortgages for complex credit histories.

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Frequently Asked Questions

What is CIS?
The Construction Industry Scheme (CIS) is a HMRC system where contractors deduct tax at source (typically 20%) from payments to subcontractors. It's common in construction, plumbing, electrical and other building trades.
Why do CIS workers struggle with mortgages?
Many lenders treat CIS workers as self-employed and assess income from tax returns, which often shows a lower net figure after deductions. Specialist lenders assess gross CIS income instead, giving a more accurate picture of your earnings.
What documents do I need?
Typically, you'll need 3–6 months of CIS payslips or vouchers, corresponding bank statements, and potentially your most recent tax calculation (SA302) and tax year overview. Requirements vary by lender.
Can I get a CIS mortgage with bad credit?
Yes. We have access to specialist lenders who consider both CIS income and adverse credit histories. The range of options depends on the type and age of the adverse events.

Ready to Get Started?

Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.

Book a Consultation 0208 756 1 756
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