If you work in the construction industry under the CIS scheme, you probably get paid weekly or fortnightly, with tax deducted at source. But when it comes to applying for a mortgage, that pay structure can confuse traditional lenders, especially if they only focus on your accounts or tax returns.
At Mortgage Knight, we help CIS contractors and tradespeople get mortgages based on your gross income, not just your net profit or company accounts. Whether you’re a builder, electrician, plumber or decorator — we know how to get you approved.
We work with:
Most lenders:
That means you could be told you don’t earn enough, even if your gross income is strong and consistent.
We work with CIS-friendly lenders who:
This allows you to borrow more, with less paperwork and hassle.
| CIS Income Type | How It’s Treated |
|---|---|
| Weekly CIS payslips | Used to calculate gross annual income |
| 3–6 months of earnings | Accepted in place of full tax returns |
| Day rate contractors | Daily rate x 5 days x 46–48 weeks formula |
| New CIS workers | Some lenders accept 3 months’ history |
Weekly gross pay: £900
Assumed annual income: £900 × 48 = £43,200
This income figure can be used for mortgage affordability — even without full accounts.
Status:Mark was a subcontractor paid weekly via CIS, earning around £850/week. He had no accountant and only started 8 months ago.
Challenge: His bank insisted on 2 years of self-employed accounts.
Solution: We used 6 months of CIS payslips to prove income and placed him with a CIS-friendly lender.
Outcome: Mark secured a £210,000 mortgage with a 10% deposit.
Status: Kyle switched from PAYE to CIS 4 months ago and was worried he’d have to wait years to buy.
Solution: We worked with a lender who only required 12 CIS payslips and didn’t ask for accounts.
Outcome: Kyle was approved for a £275,000 home loan, using his current earnings.
Status: Sarah ran her own limited company and paid herself via CIS contracts.
Challenge: Lenders were assessing her based on low salary and dividends.
Solution: We showed her gross contractor income and provided 6 months’ payslips and contracts.
Outcome: Sarah secured a mortgage with a mainstream rate and no stress.
You’re building homes for others—now let’s get you into your own. Whether you’re new to contracting or have years of CIS experience, Mortgage Knight will help you turn your weekly payslips into a mortgage offer.
Contact us today for expert advice and your CIS mortgage quote.
A: It’s a mortgage designed for workers paid under the Construction Industry Scheme, allowing you to use your gross income (before tax) for affordability, rather than net profit or filed accounts.
A: Some lenders accept just 3 months’ history, though 6–12 months is ideal for better rates.
A: Yes—but you don’t necessarily need filed accounts. CIS payslips and bank statements are often enough.
A: We work with lenders offering mortgages from 5%–10% deposit, depending on your credit and affordability.
A: Possibly, yes. We’ll assess your recent income and work history, and match you to a flexible lender.
