A CIS worker is the middle ground between being truly self-employed or permanently employed. However, most mortgage lenders treat CIS subcontractors as self-employed, and before considering a mortgage application they will ask to see accounts for at least 2 and perhaps even 3 years.

If you’ve only recently become a CIS subcontractor, most high street banks or mortgage brokers would penalise you for it. They struggle to find a mortgage suitable for someone who has a continuous record as a CIS subcontractor running for less than 12 months.

But, we are different. We are on your side and we understand that you might have changed profession, or maybe a previous employer offered you better terms or enhanced salary if you’d switched to becoming a contractor – these things happen. Where others may have failed you, we are confident we can find a suitable mortgage after you complete our fee free, no-obligation telephone assessment.

• If you’re wondering whether you qualify for a CIS mortgage or not, ask yourself these simple questions:
  Are you a self-employed builder, decorator, electrician, heating engineer, or other role working in the construction industry?
• Do you work for a construction firm that deducts 20% of your salary for tax?

If you answered yes to these two questions, then you are paid through the Construction Industry Scheme (CIS) – and we can help you get a mortgage.