Contractor Mortgage
08000 306705
Contractor Mortgage Advice
08000 306705

We specialise in Mortgage Advice for Subcontractors paid via the Construction Industry Scheme (CIS)

If you’re reading this as a Construction Industry Scheme (CIS) contractor, then you or your partner are probably struggling to find a mortgage right now. We can help.

Contact us today and one of our mortgage advisers can give you an initial Fee Free, no obligation telephone assessment. During this initial call we will calculate how you may borrow based on your CIS day-rate before tax, instead of using an average of your last two year's self emplyed income which most banks will ask for. Subject to providing us with evidence of your income and identification we can even obtain an instant provision lending agreement 

If you’ve only been a subcontractor, or self-employed, for less than a year, then our mortgage advisors can even help you get a mortgage without having to complete 2 or 3 years of accounts.

Give us five just minutes of your time, and we can advise you how much you may be able to borrow on a mortgage.

Instant mortgage decisions for all CIS Subcontractors  - Subject to a Fee Free no obligation assessment

If you complete a self-assessed tax return for HMRC, and pay 20% tax at source through a construction firm, then you are part of the CIS Scheme.

Most CIS contractors do find it difficult to borrow sufficiently on a mortgage, because most banks make their lending decision based on your profit after expenses.

In addition, most banks require more than two years’ evidence of income to make a lending decision, giving a double-whammy to CIS contractors.

We get ‘SUCCESS!’ for CIS Sub Contractors

We have helped 100's of CIS contractors buy their dream home since 2010.

For our clients, the following circumstances are normal:

  • Less than 1 year self-employed
  • 5% deposit
  • Less than 3 years in the UK
  • High day-rate but low net profit

As long as you are on the CIS Scheme, and have 3 months’ worth of continuous payments and a good credit record, then we can help you get a mortgage offer based on your average day-rate.

Don’t worry if you’ve even had a few minor credit blips in the past; or have yet to complete your first self-assessed tax return: we can still help!

Click to find out how much you can borrow

Since 2010, our CIS mortgage advisers have secured a provision lending decision for the vast majority of all the enquires we received!

And again, almost every mortgage our clients applied for thorugh us subsequently received a binding offer from a High Street lender within 10 working days. (Among those declined, the decision was generally due to either unsuitable or down-valued properties.)

Seriously Competitive rates from High Street banks

Our friendly mortgage advisors are all experts in the CIS Scheme. They understand that you are neither employed, nor self-employed – but somewhere in between.

We use your average day-rate to calculate exactly how much you can borrow, and only place your CIS mortgage with a High Street bank.

In most circumstances, you can borrow up to 5 times your gross annual salary, and access the same fantastic mortgage rates available to someone who is directly employed.

Contact us now for a fee free initial consultation

More than half of our initial client conversations begin with a CIS contractors’ parents or partner. So we don’t expect you to be armed with a spreadsheet of figures on a first call.

Instead, we’re happy to chat about your mortgage aims, learn about your ideal property, and discover the hurdles you have faced so far. All at a time that’s convenient for you.  

Our CIS mortgage advisers can then offer an initial fee free, no obligation assessment.

Our team can also ensure that buying your home is as stress-free as possible. Once you have a mortgage lending decision, they will guide you through the entire home-buying process. They can even arrange access to exclusive rates from expert property solicitors via Openwork Conveyancing, as well as Will and Estate planners*.

Enquire now for our no obligation CIS mortgage advice, and Find out how much you can borrow

*The will writing and Estate Planning service promoted here is not part of the Openwork offering and is offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. Will writing and Estate Planning is not regulated by the Financial Conduct Authority

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To comply with data protection regulations (2018), we are unable to store and use your information unless you give us your permission. Please select Yes to allow this. View our data protection policy for details
Important Information
This is an information only website, and none of the content should be considered as mortgage or financial advice. The aim of this site it to provide you with some initial guidance and useful tips and how you chose to use this information is at your own risk. Therefore, we cannot accept liability if things go wrong. If you make an enquiry, you agree to be contacted by an FCA regulated mortgage advisor who will offer you advice tailored to your individual need.
Your property may be repossessed if you do not keep up repayments on your mortgage.

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