Secure a mortgage as a CIS contractor. SynergiseUK connects you to specialist brokers who understand contractor income and the specific needs of the Construction Industry Scheme (CIS).
Specialist Brokers Who Understand CIS Income
SynergiseUK is an introducer, not a mortgage broker.
We connect you with a carefully selected panel of Specialist Mortgage Brokers who provide whole-of-market access and regulated advice.
CIS contractors have unique income documentation and often variable earnings. Our brokers know which lenders assess CIS income favourably and can guide you to suitable mortgage options.
What Are CIS Mortgages?
CIS Mortgages are mortgage products designed for contractors operating under the Construction Industry Scheme, which deducts tax at source from payments made to contractors.
Suitable for:
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Self-employed CIS contractors
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Limited company directors receiving CIS income
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Contractors with variable monthly earnings
Key points:
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Lenders often consider 2–3 years of CIS earnings or accounts.
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Some lenders allow averaging of income for affordability purposes.
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Options available for first-time buyers, home movers, and remortgages.
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Use our Mortgage Calculator to estimate repayments.
Why Choose SynergiseUK for CIS Mortgages?
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Access to Specialist Broker Panel
Brokers experienced in CIS income assessment and contractor lending. -
Whole-of-Market Access
Brokers compare lenders who accept CIS income for mortgages. -
Support for New & Experienced Contractors
Suitable for contractors with variable earnings or short trading history. -
Flexible Affordability Assessment
Brokers help lenders view your income accurately using CIS returns, contracts, and accounts. -
Exclusive Deals
Some lenders offer improved rates only available via specialist brokers. -
Guided Application Process
Brokers manage documentation, lender communications, and the full mortgage application.
Get a Mortgage as a CIS Contractor
SynergiseUK connects you with specialist brokers who can arrange a mortgage that reflects your CIS income and contractor status.
Frequently asked Q&A's
A CIS mortgage is a mortgage product for contractors registered under the Construction Industry Scheme.
Using CIS returns, accounts, and tax calculations over 2–3 years, sometimes averaging monthly payments.
Yes, some lenders accept contractors with as little as 12 months of CIS income
Rates are usually competitive if income documentation is satisfactory, though some lenders may price slightly higher.
Yes, both self-employed and limited company contractors can apply.
CIS statements, SA302s, company accounts (if applicable), bank statements, and ID verification.
Yes, provided affordability and income criteria are met.
Typically, 4–8 weeks, depending on lender and document complexity.
Yes, some lenders offer Buy-to-Let options for CIS contractors.
SynergiseUK introduces you to specialist mortgage brokers who provide advice, compare lenders, and manage your CIS mortgage application.
A mortgage is a long-term financial commitment and is not suitable for everyone.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Interest rates may be fixed or variable. If you take a variable or tracker mortgage, your repayments could increase if interest rates rise. Changes to your personal circumstances — such as loss of income, illness, or increased living costs — could also affect your ability to meet repayments.
Mortgages often involve additional costs, including arrangement fees, legal fees, valuation fees, early repayment charges, and other lender or adviser fees. Extending the mortgage term may reduce monthly payments but can result in paying more interest overall and remaining in debt for longer.
You should carefully consider affordability now and in the future and seek professional advice before proceeding.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
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