Your income, properly understood
We take time to understand how you are paid and identify the evidence a suitable lender may need.
CIS mortgage advice
Paid through CIS? Your mortgage options may be broader than you think.
Clear, personal mortgage advice for construction workers and subcontractors paid under the Construction Industry Scheme.
- Understand how lenders may assess your CIS income
- Explore options for buying, moving or remortgaging
- Get support from enquiry through to completion
No obligation to proceed. Any mortgage recommendation will be based on your full circumstances.
Important
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1%, but a typical fee is £495.
Nationwide adviceSupport wherever you are based in the UK
Personal serviceAdvice shaped around your circumstances
Clear communicationPlain-English guidance at every stage
Why specialist advice matters
CIS income is not always assessed in the same way.
If you are a subcontractor, a standard self-employed assessment may not tell the whole story. Some lenders have specific ways of considering income paid under CIS, while others may rely on taxable profit or different evidence.
Options beyond your own bank
Different lenders can take different approaches to CIS workers, affordability and employment history.
A well-prepared application
We explain the documents required, help organise the case and manage the mortgage application.
Support through to completion
You have a clear point of contact to keep you informed and help move the process forward.
How CIS mortgages work
It is a standard mortgage, with a different look at income.
A “CIS mortgage” is not a separate mortgage product. It usually means arranging a residential mortgage with a lender whose criteria can accommodate income received under the Construction Industry Scheme.
Depending on the lender and your circumstances, income may be assessed using suitable CIS vouchers or payslips, bank statements, tax documents, accounts or a combination of evidence. Some lenders may consider gross CIS income for eligible applicants, but this is not universal and is always subject to current criteria and underwriting.
Discuss how your income may be assessedCIS mortgage eligibility
You may have options if you are paid through CIS.
There is no single set of rules for every applicant. Your position will depend on the lender, your evidence and the overall strength of the case.
It helps if you can show:
- Regular income paid under the Construction Industry Scheme
- A consistent history of work in your trade or industry
- A suitable deposit or sufficient equity for a remortgage
- Affordable existing credit commitments and household costs
- Evidence such as CIS vouchers or payslips and bank statements
Shorter trading history, variable income or previous credit issues do not automatically mean there is no route forward. They do mean that the choice of lender and the detail of the application matter.
Your route forward
A clear process from first call to mortgage offer.
Tell us about your plans
We discuss what you want to achieve, how you are paid, your deposit and your wider circumstances.
Gather the right evidence
We set out the documents needed so your income and application can be assessed properly.
Research suitable options
We consider relevant lender criteria and mortgage options before making a recommendation.
Apply with confidence
Once you decide to proceed, we submit and manage the application and keep you updated.
Hodgson Financial
Clear advice. Responsive communication. Support from the first conversation through to completion.
Why choose us
Personal mortgage advice, without the jargon or pressure.
We help clients across the UK understand their options and move forward with a mortgage that reflects their needs and circumstances.
- A named adviser who takes time to understand your case
- Clear explanations of the mortgage, costs and next steps
- Support for first-time buyers, home movers and remortgages
- Help coordinating the application from start to finish
CIS mortgage FAQs
Straight answers to common questions.
Your exact options will always depend on your full circumstances and current lender criteria.
Can I get a mortgage if I am paid through CIS?
Potentially, yes. Mortgage eligibility depends on your income history, deposit, credit commitments, credit profile, property and the lender’s criteria. Some lenders have ways of assessing applicants paid through the Construction Industry Scheme.
Do I need two years of accounts for a CIS mortgage?
Not always. The evidence required varies by lender and by your circumstances. A lender may ask for documents such as CIS vouchers or payslips, bank statements, tax calculations or accounts.
Can a lender use my gross CIS income?
Some lenders may assess eligible CIS applicants using gross income shown on suitable CIS evidence. Others may use taxable profit or another method. The approach depends on the lender and the individual case.
How much can I borrow on a CIS mortgage?
There is no single income multiple that applies to everyone. The amount depends on how a lender assesses your income, as well as your deposit, regular commitments, household spending, credit profile, mortgage term and the property.
Can first-time buyers get a CIS mortgage?
Yes, being a first-time buyer does not prevent you from being considered for a mortgage when you are paid through CIS. Normal affordability, deposit, credit and property checks still apply.
Can I remortgage using CIS income?
Potentially, yes. CIS income may be considered for a remortgage, subject to affordability, the property, your circumstances and the lender’s criteria.
What documents might I need?
This varies, but may include recent CIS vouchers or payslips, bank statements, identification, proof of address and tax or accounting documents. We will confirm what is relevant before an application is made.
What if I have had credit problems?
Previous credit issues do not always prevent a mortgage, but the type, amount and timing of the issue matter. We will need an accurate picture of your credit history before considering suitable options.
Ready to take the next step?
Find out how your CIS income may be considered.
Start with an initial conversation about your income, deposit and plans.