Mortgages Designed for CIS Contractors
 Working under the Construction Industry Scheme (CIS) can make securing a mortgage challenging. Lenders often struggle to assess income with CIS deductions and subcontract arrangements. Mortgage-Tek specialises in helping CIS contractors access tailored mortgage solutions, whether buying your first home, remortgaging, or investing in property. We ensure your income is accurately presented to specialist lenders, maximising your borrowing potential.
We work with more than 120 mortgage lenders, including
Why CIS Contractor Mortgages Are Different
Specialist Solutions for CIS Income
CIS contractors face unique challenges when applying for a mortgage. Income is often variable, paid via subcontract arrangements, and subject to CIS deductions, which can confuse traditional lenders. Mortgage-Tek works with specialist lenders who understand CIS income and structure applications to reflect your true earning potential. This ensures you access competitive borrowing power without unnecessary delays or rejections.
Key Benefits:
- Accurate Income Assessment: We account for CIS deductions, subcontract payments, and historical earnings.
- Specialist Lender Access: Partnering with lenders familiar with CIS contractor income.
- Flexible Mortgage Solutions: Tailored to contract length, variable pay, and subcontractor arrangements.
- Professional Support: We manage documentation and liaise directly with lenders to simplify the process.
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Who Can Apply
Mortgage Solutions for CIS Contractors
 CIS contractor mortgages are designed for professionals working under the Construction Industry Scheme. Mortgage-Tek ensures your earnings are presented clearly to specialist lenders, giving you access to the borrowing power you deserve.
Eligible Applicants Include:
Subcontractors & Tradespeople
 Professionals operating under CIS contracts.
Limited Company CIS Contractors
Directors running their own company while working on CIS contracts.
Umbrella CIS Contractors
Contractors employed via umbrella arrangements under CIS.
First-Time Buyers & Remortgagers
CIS contractors entering the property market or switching lenders.
Property Investors & Portfolio Builders
Contractors looking to invest in buy-to-let properties.
Services We Provide
Tailored Mortgage Solutions for CIS Contractors
 Mortgage-Tek offers a full range of mortgage services designed specifically for CIS contractors. We structure applications to account for variable income, CIS deductions, and short-term contracts, ensuring you access the right mortgage for your needs.
Our Services Include:
First-Time Buyer Mortgages
Helping CIS contractors purchase their first property with confidence.
Remortgages
Switching lenders or improving terms while considering CIS income.
Buy-to-Let Mortgages
Supporting CIS contractors looking to invest in rental properties.
Portfolio Expansion
Assisting contractors in growing and managing multiple properties efficiently.
Flexible Repayment Options
Structuring mortgages to accommodate fluctuating income without penalties.
Why Choose Mortgage-Tek
Expert Guidance for CIS Contractors
 Mortgage-Tek specialises in helping CIS contractors secure mortgages despite variable income and subcontract arrangements. Our team provides expert advice, access to specialist lenders, and tailored solutions to maximise your borrowing potential. We manage the process professionally from consultation to mortgage completion.
Specialist Expertise
Years of experience helping IT contractors navigate complex mortgage applications.
Direct Lender Access
Partnerships with lenders who understand contract-based IT income.
Tailored Solutions
Applications structured around your full earnings, including contracts and bonuses.
Transparent Process
Honest, jargon-free advice at every stage, ensuring clarity and confidence throughout your journey.
Ongoing Support
Continuous assistance to manage your mortgage, remortgage smoothly, and grow your property.
Competitive Rates
Exclusive mortgage deals designed to maximise your borrowing power and save you money.
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Get in Touch For Our Expert Mortgage Advice
Looking for the right mortgage solution? Whether you’re securing a better rate, switching deals, or exploring let-to-buy options, our experts are here to help. Get in touch today for tailored mortgage advice and find the best deal for your needs—hassle-free and straightforward!
| Call Us | 020 3827 8558 |
| Email Us | info@mortgage-tek.co.uk |
| Address | 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB |
| Opening Hours | Mon–Fri (8:30am–7pm) Sat (9am–5pm) |
 CIS Contractor Mortgage FAQs
Can I get a mortgage if I’m paid under CIS but have gaps between contracts?
Yes. Specialist lenders consider your overall income history, contract renewals, and industry stability rather than penalising short gaps.
How do lenders treat CIS deductions when calculating my income?
We work with lenders who factor in gross income before CIS deductions or adjust calculations to reflect your true affordability.
Is my mortgage application affected by variable monthly income?
No. Mortgage-Tek ensures lenders assess your average earnings over a 12–24 month period, including bonuses and overtime where applicable.
Can I use CIS income to purchase multiple properties or invest in buy-to-let?
Yes. With our guidance, CIS contractors can structure applications for portfolio expansion while maximising borrowing potential.
How does working through a limited company impact my CIS mortgage application?
We present dividend and salary structures to lenders to show your full income, helping you secure higher borrowing limits.
Can I remortgage or switch lenders if my income increases or contracts change?
Absolutely. Our team supports CIS contractors through remortgaging or product transfers to ensure you always have the most suitable mortgage.