Show how you are paid
Depending on their criteria, a lender may review CIS statements, tax documents, accounts or a combination of evidence.
CIS mortgage advice · Edinburgh & across the UK
CIS mortgages, clearly explained.
Working under the Construction Industry Scheme and think you need two years of accounts before applying for a mortgage? That is not always the case. Some lenders may assess CIS earnings differently, depending on your circumstances, trading history and supporting evidence.
Mortgage advice for CIS subcontractors
CIS is not one fixed route.
Your income, time working under CIS and the evidence available all form part of the picture. The aim is to identify a suitable lender approach before an application is made.
Explain the track record
Time under CIS, continuity of work and the pattern of recent earnings may all be relevant to the assessment.
Connect income to the plan
Deposit, commitments, credit history, the property and overall affordability still need to be considered together.
Useful to have ready
Make the figures easy to follow.
You do not need to guess what every lender will request. A first conversation can identify which documents are likely to matter for your circumstances.
CIS statements
Recent payment and deduction statements from the contractors you work for.
Bank statements
Personal or business statements showing the payments received and regular commitments.
Tax information
Tax calculations, tax year overviews or accounts may be requested, depending on the lender.
Property details
Deposit evidence and details of the property or existing mortgage you want to review.
A simple route forward
From CIS records to a clearer mortgage plan.
- Understand
Start with your circumstances
Discuss how long you have worked under CIS, how you are paid and what you want the mortgage to achieve.
- Prepare
Bring the useful evidence together
Focus on the documents that support the income pattern and the wider application.
- Compare
Review suitable lender approaches
Consider criteria that may fit your position before deciding whether to proceed.
Common questions
What CIS workers often ask.
Do I always need two years of accounts?
Not in every case. Some lenders may consider recent CIS statements and other supporting evidence, but the trading history and documents required vary by lender and applicant.
Can I remortgage while working under CIS?
A remortgage can be reviewed using the evidence available for your income and circumstances. The suitable route depends on the existing mortgage, property, affordability and lender criteria.
What if my income changes month to month?
Variable earnings do not produce one standard answer. Recent income, consistency, work history and the way each lender assesses CIS applicants may all affect the position.
Can you help outside Edinburgh?
Yes. Donlevy Mortgages is based in Edinburgh and provides mortgage advice to clients across the UK.
Take the next step
Let’s put your CIS income into context.
Share what you are planning and the evidence you currently have. Dillon will help you understand the most useful next step.
Your property may be repossessed if you do not keep up repayments on your mortgage.