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CIS Scheme Workers
Specialist Mortgage Advice For CIS Workers
Working under the Construction Industry Scheme? We understand CIS deductions and how construction income is assessed, and we know which lenders consider it.
CIS Workers
Your Construction Income Deserves Specialist Mortgage Advice
Understand how CIS income and deductions may be considered by lenders.
01
CIS Deductions
Contractors deduct 20% from a registered subcontractor's payments, or 30% if unregistered, as advance payments towards tax and National Insurance.
02
Gross Payment Status
Subcontractors with gross payment status are paid without CIS deductions being taken.
03
CIS Vouchers & SA302s
Some lenders accept 12 months of CIS vouchers or SA302 tax calculations as evidence of income.
04
Average Earnings
Some lenders use an average of your last 12 months' earnings to assess affordability.
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FAQ
Common Questions
Everything you need to know about mortgages for CIS workers
What is the Construction Industry Scheme?
Under the Construction Industry Scheme (CIS), contractors deduct money from a subcontractor's payments and pass it to HMRC. These deductions count as advance payments towards the subcontractor's tax and National Insurance.
How much is deducted under CIS?
Contractors deduct 20% from the payments of registered subcontractors and 30% from those who are not registered. Subcontractors with gross payment status are paid without deductions.
Can I get a mortgage as a CIS worker?
Yes. Some lenders accept CIS income. For example, some will accept 12 months of CIS vouchers or SA302 tax calculations and average your last 12 months' earnings. Criteria vary between lenders, so specialist advice can help.
What documents might I need?
Lenders commonly ask for CIS vouchers or SA302 tax calculations covering at least 12 months, along with recent bank statements. Exact requirements depend on the lender.