Gross CIS pay, treated as income.
Pepper, Precise, Kent Reliance and Halifax lend to CIS sub-contractors on 3–12 months of CIS payslips — no need for a full year of self-assessment accounts.
CIS mortgages are UK residential mortgages for Construction Industry Scheme sub-contractors, assessed on gross CIS pay before tax rather than net accounts. Specialist lenders — Pepper Money, Precise, Kent Reliance, Halifax and BM Solutions — annualise 3–12 months of CIS payslips and apply a 4.5–5× income multiple, letting bricklayers, electricians, plumbers, plasterers and other sub-contractors borrow the equivalent of a PAYE employee on the same gross earnings.
The numbers, at a glance.
What lenders want to see.
Who typically qualifies
- CIS-registered UK sub-contractors (all trades)
- 3+ months of CIS payslips (with accountant's letter for min history)
- 12+ months for standard case placement at best pricing
- SA302 tax overviews for last 1–2 years (optional but strengthens case)
- Clean or explainable credit history
Documents to prepare
- Latest 3–12 months of CIS payslips
- Latest 3 months' business or personal bank statements
- Accountant's letter or SA302 (where applicable)
- UTR (Unique Taxpayer Reference) and CIS registration
- Passport / driving licence and 3-year address history
How Elena helps, specifically.
Gross pay counted
Pre-tax CIS income used — not net-of-tax accounts figure.
5× multiple
Pepper and Kent Reliance lend up to 5× gross annualised CIS pay.
3 months' history
Halifax and Pepper accept just 3 months with an accountant's projection.
Up to 95% LTV
5% deposit deals via Halifax for CIS workers with 2+ years history.
Prime pricing available
Clean 12-month CIS record accesses 4.29–4.69% 5-year fixes.
AI-matched
Elena screens 15+ CIS-friendly lenders in under 60 seconds.
Top lender matches for this profile
"Accepts 3 months CIS payslips with accountant's letter — 5× income."
"Up to 90% LTV with 12 months CIS payslips, all trades accepted."
"5% deposit via Mortgage Guarantee Scheme for CIS with 2+ years history."
Questions, answered.
Elena, our AI mortgage expert, can answer it in seconds — or book you a free callback with a human broker.
Can CIS sub-contractors get a mortgage in the UK?
How much do CIS lenders need to see?
Are CIS mortgage rates more expensive?
What's the maximum LTV on a CIS mortgage?
Ready to meet your AI mortgage advisor?
Get a personalised eligibility check in under 60 seconds. No credit footprint, no spam.