At Rosa Mortgages, we know that securing a mortgage as a CIS (Construction Industry Scheme) worker can feel daunting. Many traditional lenders struggle to understand subcontractor income, which can make it harder to prove affordability compared to PAYE employees. But the good news is that there are specialist CIS worker mortgage options available – and with the right advice, getting onto the property ladder is more achievable than you might think.
Whether you’re a self-employed subcontractor, tradesperson, or construction professional, our team in Southport is here to guide, educate, and support you every step of the way.
A CIS worker mortgage is designed for people working under the Construction Industry Scheme, which allows subcontractors to have tax deducted at source by contractors. Because CIS income is assessed differently from standard employment, some lenders may misinterpret your earnings.
The good news is that specialist lenders will consider your gross contract income from CIS payslips – not just your net profit from accounts – which often means you can borrow more than with a traditional self-employed mortgage.
To apply, you’ll typically need:
- 3 to 12 months of CIS payslips.
- SA302s or tax calculations (sometimes optional depending on the lender).
- Proof of identity and address.
