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Subcontractors
Specialist Mortgage Advice For Subcontractors
Doing construction work for a contractor as a sole trader, limited company or partner? We help you find lenders who understand how subcontractor income is assessed.
Subcontractors
Your Subcontract Income Deserves Specialist Mortgage Advice
Understand how lenders may assess your income as a construction subcontractor.
01
Employed or Self-Employed?
Lenders don't all treat subcontractors the same way. Some assess you as self-employed, while others treat you as employed for your mortgage application, even though you're self-employed for tax.
02
Gross or Net Income
Some lenders work from your gross income over the last 12 months, less materials or expenses. Others use the net profit shown on your SA302.
03
Payment & Deduction Statements
Your contractor must give you a monthly statement of what they've paid you and the deductions taken. Lenders commonly ask for 12 months of these.
04
Ongoing Work
Some lenders also ask for a contract confirming your work is ongoing, along with recent bank statements showing your income.
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FAQ
Common Questions
Everything you need to know about mortgages for construction subcontractors
Do I need to register for CIS as a subcontractor?
You should register if you do construction work for a contractor as a sole trader, a limited company owner or a partner in a partnership. If you don't register, contractors must deduct 30% from your payments instead of 20%. You don't need to register if you're an employee.
Will lenders treat me as employed or self-employed?
It depends on the lender. Some assess CIS subcontractors as self-employed and look at your SA302s and tax year overviews. Others treat you as employed for the application and work from your CIS statements, even though you're self-employed for tax purposes.
How do lenders work out my income?
Methods vary. Some lenders use your gross income over the last 12 months, less materials or expenses, from your CIS statements or invoices. Others use the net profit on your SA302. The figure can differ depending on the method, which is why choosing the right lender matters.
What documents will I need?
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. Some also ask for a contract confirming your work is ongoing. Some lenders won't accept 12 months of weekly remittance slips as evidence, so keep your monthly statements.
What if I've lost some of my CIS statements?
Ask your contractor for a replacement. If you can't get one, for example because the contractor has gone out of business, you can write to HMRC with your details, the contractor's details and the dates you were paid.
Can I get paid without CIS deductions?
Yes, if you get gross payment status. To qualify you must show HMRC that you've paid your tax and National Insurance on time, that your business does construction work in the UK and is run through a bank account, and, as a sole trader, that your turnover was at least £30,000 over the last 12 months, ignoring VAT and the cost of materials.