Lenders assess CIS and day-rate income in different ways, and many ask for 2 years of figures. We help you find lenders whose criteria suit how you're paid.
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Mainstream high-street banks struggle with construction pay slips and day-rate invoicing. At Mortgage-Tek, we specialise in the two key pillars of construction finance.
If 20% or 30% is deducted from your payments under the Construction Industry Scheme, lenders assess your income in different ways. Some use your gross income less materials over 12 months, others the net profit on your SA302. We help you find the lender whose method suits you.
Whether you work as a sole trader, a limited company or a partner, lenders don't all treat subcontractors the same way. Some assess you as self-employed, others as employed. We help you find lenders who understand subcontract income.
Tailored Solutions
Whether you're on the tools, running a site or operating plant, we help you find lenders whose criteria suit how your trade is paid.
CIS workers on price work or daily rates. Some lenders average your earnings over 12 months, less materials or expenses, so quieter weeks are balanced against busier ones.
Sole traders, CIS subcontractors or limited company directors. Lenders assess each set-up differently, and we help you find one that suits yours.
First fix, second fix or workshop joinery. We present your income clearly to lenders who understand how tradespeople are paid.
Hourly rates, ticket allowances and overtime. Lenders treat variable pay differently, so the lender you choose matters.
On a day rate? Many lenders work out your income from your contract rate, for example your day rate × 5 days × 46 weeks.
Late payments during supplier disputes or delayed client payments? Past credit problems don't automatically rule you out, and some lenders specialise in these cases.
How It Works
From your first conversation to completion, we're with you every step.
A no-obligation call with a dedicated specialist adviser to understand your situation and goals.
We analyse your contract, accounts, and earnings to establish your maximum borrowing power.
We search 90+ lenders including specialist contractors and professionals to find your best rate.
We handle the entire application, liaising with lenders, solicitors, and surveyors on your behalf.
Receive your formal mortgage offer — typically within 2–8 weeks of application submission.
The MortgageTek Distinction
Mortgage-Tek combines specialist construction knowledge with access to lenders who understand how tradespeople are paid.
Lenders assess CIS income in different ways. Some use your gross earnings over 12 months, less materials or expenses, while others use your SA302. We help you find the method that suits you.
Some lenders work out your income as your day rate × 5 days × 46 weeks. The contract history they ask for varies by lender.
Access to high street banks, building societies and specialist lenders, including those that consider CIS and day-rate income.
MortgageTek is authorised and regulated by the Financial Conduct Authority (FCA reg. 788950).
Construction projects finish and bad weather causes pauses. Some lenders accept gaps of up to 6 or 8 weeks between contracts, while others reduce the income they use for gaps of more than 4 weeks.
A free initial consultation with no obligation. We explain any fees clearly before you decide to go ahead.
BUYER CHECKLIST
Applying for a mortgage while working in construction takes some planning. Here are 8 things every subcontractor and CIS worker should know before making an offer.
Writing off tools, vans and fuel lowers your tax bill, but it can also lower the income lenders use. Some lenders work from your gross CIS income less materials, others from your SA302 net profit.
The deposit you need depends on the lender, your income and your credit history. A larger deposit usually gives you more lenders to choose from.
Lenders set different limits on gaps between contracts, from around 4 to 8 weeks, so it's worth checking before you apply.
Lenders commonly ask for 12 months of CIS payment and deduction statements or invoices, or your SA302s, plus recent bank statements, ID and proof of address.
On a day rate? Some lenders use your day rate × 5 days × 46 weeks as your annual income.
Supplier payment disputes or historic defaults don't automatically rule you out. Some specialist lenders look at the circumstances and how you've managed credit since.
Changed contractors recently? Keep all your monthly CIS statements, as some lenders want to see 12 consecutive months of income across them.
An agreement in principle shows estate agents how much a lender may be willing to lend, so you can make offers with confidence. It isn't a guaranteed mortgage offer.
Contact us
Have a question about rates, pre-approval, or the buying process? We're here to make the mortgage side of things simple and stress-free. Drop us a line today.
Speak to a specialist mortgage adviser today
FAQ
Everything you need to know about mortgages for construction and trades
It can. Writing off tools, vans and fuel lowers your tax bill, but lenders that use your SA302 net profit will see a lower income. Some lenders instead use your gross CIS income over 12 months, less materials or expenses, which can give a different figure.
Lenders commonly ask for 12 months of CIS payment and deduction statements, invoices or payslips, or your SA302s and tax year overviews, along with recent bank statements, ID and proof of address. Some lenders won't accept 12 months of weekly remittance slips, so keep your monthly statements.
It depends on the lender, your income and your credit history. A larger deposit usually gives you more lenders to choose from. We can go through your options during a free consultation.
Lenders set different limits. Some accept gaps of up to 6 or 8 weeks between contracts, while others reduce the income they use if you've had gaps of more than 4 weeks in the last 12 months.
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