Need Help? Call Us:020 4569 0630
    CIS Mortgage Specialists • 200+ Lenders

    CIS Mortgages for Subcontractors & Tradespeople

    You work harder than most. Early starts, long days, physically demanding jobs. So why do banks treat you like a risk?

    The truth is, most high-street lenders don't understand CIS income — and it costs tradespeople their dream homes every single day. We think that's wrong. We use your gross contract income, not just your tax return, unlocking thousands more in borrowing.

    CIS Subcontractors
    Sole Traders in Construction
    Ltd Company CIS
    First Time Buyers Welcome

    Gross Income Used

    Lenders who use your gross CIS income, not net profit after tax deductions

    1 Year CIS History

    Some lenders accept just 12 months of CIS statements

    Up to 95% LTV

    Access low-deposit mortgages even as a CIS worker

    Fast Decisions

    Decision in Principle often within hours, not weeks

    Self-Employed Friendly

    No penalty for being CIS — we match you to the right lender

    No Hidden Fees

    Transparent advice with no surprise charges

    Get Your CIS Mortgage Quote

    Speak to a CIS specialist today — no obligation

    Free, no-obligation consultation. We'll call you back within 1 hour during business hours.

    200+ Lenders
    |
    FCA Regulated

    Why CIS Workers Choose Us (And Never Look Back)

    Being declined by a bank doesn't mean you can't get a mortgage. It means you spoke to the wrong people. Here's why working with us changes everything.

    We Understand CIS Income

    Most brokers treat CIS workers like standard self-employed. We know that CIS gross income should be used — not just what's on your SA302. This can increase your borrowing by thousands.

    Access to Specialist Lenders

    We have access to 200+ lenders, including specialists who actively welcome CIS applications. Many of these lenders aren't available on the high street or through comparison sites.

    Proven Track Record

    We've helped CIS subcontractors, tradespeople, and construction workers secure mortgages — even when they've been declined elsewhere. 5-star rated by our clients.

    CIS Situations We Handle Every Day

    CIS subcontractor buying first home
    Declined by a high-street bank
    Only 1 year of CIS statements
    Mix of CIS and PAYE income
    CIS with adverse credit history
    CIS worker with 5% deposit
    Moving from renting to owning
    Remortgaging as a CIS worker
    CIS through a limited company

    How CIS Income Is Assessed for Mortgages

    Understanding how lenders view CIS income is key to maximising what you can borrow.

    Gross Contract Income Method

    Specialist lenders use your gross CIS income (before tax deductions) rather than your net profit or SA302 figures. Since CIS tax is deducted at source (20% or 30%), your gross income is significantly higher than what shows on your tax return — meaning you can borrow more.

    What Documents You'll Need

    • CIS payment & deduction statements (usually 12 months)
    • SA302 tax calculations and tax year overviews
    • Bank statements showing CIS payments received
    • Proof of identity and current address
    • Details of deposit source

    CIS Mortgage FAQs

    You Deserve a Home as Solid as Your Work Ethic

    Don't let one more bank make you feel like you're not good enough. You are. It takes 2 minutes to fill in our form — and we'll show you what's actually possible.

    Or email us at hello@opusmortgage.co.uk