👷 Self-Employed & CIS Mortgages
Income that’s not ‘standard’? That’s not a problem.
Whether you’re self-employed, a sole trader, or paid under the Construction Industry Scheme (CIS), we’ll connect you with an expert who knows exactly how to package your income for mortgage approval.
🧾 What Counts as Self-Employed?
If you’re not on a traditional PAYE salary, most lenders class you as self-employed. This includes:
Sole traders
Company directors with a 20–25%+ share
Freelancers or contractors
CIS workers (labourers, builders, subcontractors)
Every lender calculates income differently, so the right broker can make all the difference.
🏗️ What is a CIS Mortgage?
If you’re paid via the Construction Industry Scheme, some specialist lenders may use your gross income (before tax and deductions) rather than your net profit — meaning you could borrow more.
You’ll usually need:
3–6 months’ CIS payslips
A consistent contract or work history
A UTR number and registration with HMRC
📑 What Documents Will You Need?
Most lenders will ask for:
1–3 years of SA302s or tax calculations
Proof of income (payslips, invoices, contracts)
Bank statements
ID and address verification
Business accounts (for LTD company directors)
Don’t worry if you don’t have it all — a broker can help you find lenders who are flexible with documentation.
💡 Tips to Improve Approval Chances
Get your accounts up to date
Pay off any unsecured debt
Avoid large recent business expenses that reduce your net income
Register on the electoral roll
Work with an accountant experienced in mortgage-friendly structuring
🧑💼 Why Use a Specialist Broker?
Self-employed and CIS cases are rarely straightforward. A broker can:
Present your income in the best light
Find lenders who accept your structure (e.g. day rate, gross pay, dividends)
Help navigate complex affordability rules
Save you time and avoid declined applications
📞 Speak to a Mortgage Expert for Self-Employed & CIS
We’ll match you with an advisor who specialises in non-standard income and construction scheme applicants.
✅ Maximise your borrowing potential
✅ Get guidance from someone who speaks your language
✅ Save time, hassle, and avoid unnecessary rejections
❓ FAQs
How many years of accounts do I need?
Some lenders require just one year of self-employed accounts, while others prefer two or more. A broker can match you accordingly.
Can I use my day rate as income?
Yes, some lenders will annualise your day rate to calculate income — ideal for contractors and freelancers.
What if I’ve just gone self-employed?
It’s still possible, especially under CIS or with a strong work history in the same field. Speak to a broker to explore your options.
Do I need to earn a certain amount to get a CIS mortgage?
There’s no strict minimum, but your gross income (and how consistent it is) plays a major role in what you can borrow.