Contractor Mortgages

We specialise in Mortgage Advice for Subcontractors paid via the Construction Industry Scheme (CIS)

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We help contractors of all kinds to obtain a mortgage in the UK

We specialise in mortgages for contractors who are paid through the Construction Industry Scheme (CIS); but our expert mortgage advisers can almost certainly help if you are a self-employed contractor in any employment sector in the UK. Ask us for a initial fee free, no obligation consultation.

Most mortgage lenders will ask you for detailed accounts, projections, and endless paperwork, yet probably still fail to recognise the true gross value of your earnings as a contractor.

If you have been under contract with one firm for at least 6 months, even a firm outside the construction sector, and can provide evidence that you have a history working in your chosen field, then we can help you today.

To calculate your mortgage borrowing potential, our expert mortgage brokers will apply the day-rate of your contract.

Get in touch with our mortgage advisers for an instant decision on your eligibility for a contractor mortgage.

Self-employed contractor for less than 1 year?

CISMortgage Advice can help you obtain a mortgage to buy your next home. In fact, if you have just started out in self-employment, and have a contract with at least 6 months left to run, our expert mortgage brokers have the knowledge and experience to place you with the right lender.

Contact us today and discover if you qualify for a contractor mortgage.

There are many different types of contractor, and there are more than 90 mortgage lenders in the UK, all with different lending criteria and different ways to assess your income. Our team can establish which mortgage is best for you.

Whether you are an IT contractor, engineering contractor, agency worker, or work under an Umbrella Company, we will help you to find the right mortgage to meet your circumstances as a self-employed worker.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We Say Yes To CIS

Less than 1 year self-employed

5% Deposit

Less than 3 years in the UK

High day-rate with low net profit

4.9
Based on 51 reviews
Razvan Petrusca
10:03 02 Jun 20
Brilliant service! From the very first day I got I touch with David he did the impossible for me. Firstly he secured a... mortgage when many others just said no! Now, 2 years later he surprised me again with a deal I never thought I could get. A special thanks for all the effort!! I will highly recommend your services! 👍🏽read more
Joanne Barnes
09:54 20 Apr 20
Excellent service. Really smooth process and was completed within a week, which was brilliant. Communications... throughout was excellent. Highly recommended.read more
Ruth Hughes
14:12 13 Mar 20
I was recommended CIS mortgage by a friend of mind and I wasn't disappointed. Adam Mills took all the stress a way from... getting a mortgage as a self employed person. It was great having someone else do all the research and calls to make sure everything went through smoothly. I have already passed his details onto friends!read more
ALEX LAMB
23:27 08 Mar 20
I would like to thank Adam Mills at CIS Mortgage Advice for the fantastic service provided obtaining my recent... first-time mortgage. After several disappointing conversations with other mortgage brokers, I was really starting to lose faith that I would be able to buy my first home for my new family. After one final Google search for a self employment-specific broker, I found CIS Mortgage Advice and Adam's positivity and optimism right from the get-go really restored my faith. As a first time buyer, I was still getting my head around the jargon and different elements of the mortgage process. Adam was very approachable and made sure I understood everything at each and every turn. You've turned a previously very disheartening experience, into a positive new chapter for myself and my family. I cannot thank you enough and I hope to deal with you again in the future. Kind regardsread more
Katie Underwood
22:30 24 Feb 20
A huge thank you to Adam at CIS Mortgage Advice for guiding us through our first home buying experience. Providing a... first class service, Adam kept us well informed and always in the loop. A friendly and professional team without whom, we could never have made securing our first home a reality!read more
Matty D
20:44 14 Feb 20
From the minute I was contacted by David from CIS Mortgages the service I have received has been second to none. A... special thank you to Rhodri who has been nothing but top notch in securing me a great rate mortgage and keeping me in the loop at all times; very professional. If you are CIS and looking for a mortgage, this is the place to go, I would recommend this company to anyone. Many thanks.read more
Alastair grove
12:54 13 Feb 20
My advisor lee Hawkins has done an amazing job, just the final forms to send in for the mortgage agreement and done, we... was let down by another advisor who didn't know what she was doing with Cis and gave us false hope saying we could get one then saying no. These guys get all the paperwork together first and then put together your package.... Highly recommended if you are Cis don't go through wasted months like I have with a "normal" advisor. Great job lee keep up the good work, let's see what the next few weeks bring.. Alastair and Ashleighread more
Rhiannon Bangs
19:42 28 Jan 20
My partner used this company, as a self employed person he found it hard to get a mortgage, but with the help of cis... mortgage and the very helpful adam we are ready to move into our first family home. The whole process was easy such brilliant service, very thorough and he was kept informed through out the process. Thanks again to Adam.read more
belayet hussain
13:26 28 Nov 19
I would highly recommend CIS Mortgage 100%. David Sharpstone & his team went above and beyond to helped me secure... both my mortgages. He always kept me updated with the process and developments. Buying house is probably one of the most stressful times of your life, However David always reassured and guided us throughout the entire process. understanding, caring yet always remaining professional and supportive. Brilliant I cannot THANK him enough. THANK YOU!!read more
paul montgomery
10:15 12 Nov 19
Can’t give nothing but praises and thank you to David and CIS Mortgage’s from very first conversation to being... offered a Mortgage he and his company kept me informed of every process and explained in every detail of application and history required with nothing but first rate professionalism throughout I will use him in future and recommend him to anyone in the same difficult situation I was in, as I was given bad advice before this company which gave me the feeling would never get on property ladder now David has dealt with my case will be moving into my first home in couple months thank you again David and CIS team. If you’re in difficult situation or just need advice please just call CIS Mortgage’s. Paul.read more
Becca larkin
11:19 18 Oct 19
If you are thinking about using CIS mortgage, 100% do it! I can't explain how happy my partner and I are with the... service. After seeing a previous mortgage adviser who told us we couldn't get a mortgage, David, within days got us a mortgage. So pleased with the outcome and it was so refreshing to speak to someone who completely understands CIS through and through. Amazing!!!read more
Ruaridh black
13:56 24 Aug 19
Went directly to a bank for a mortgage with my cis statements and they didn't even consider giving us the mortgage. Me... and my wife were gutted as it was our dream home and one we could start a family in together. Thanks to David here we managed to get a mortgage and got the house we wanted! We are now expecting our our first child and in our dream home! Wouldn't have been possible to get the house/mortgage without them so very appreciative. Fast and professional and would recommend them to anyone who works under the CIS payment scheme and are self employed.read more
P. Jiten
09:56 17 Aug 19
For CIS self employed people this is the best company in UK. Got mortgage in principle certificate after submitting... required documents and mortgage approved in 10 days after submitting file. Hassle free process throughout and any question or query promptly answered. David and Lisa are amazing people to work with.read more
Michelle Perrin
09:28 17 Aug 19
My husband and myself have been dealing with David since our first property purchase in 2012. David has a vast amount... of knowledge, has always put us at ease and answered our questions throughout the process. David is great to deal with, always goes above and beyond and we have already recommended him to several of our friends and family, one of which is nearing completion of their first home. Always fantastic service, highly recommend CIS Mortgage Adviceread more
Veronica Grosu
09:36 12 Aug 19
Fantastic service from start to finish. David made it simple and effective for us. We are very happy with the outcome.... I would definitely recommend!read more
Rob
09:23 18 Jul 19
David has been faultless from the beginning and helped me and my girlfriend out loads and without him we would not be... moved into the house we are in now. He understands the difficulties of being a CIS worker with mortgages and gives you the best advice he can and is very quick on the ball at getting stuff sorted. My case I appointed him for was more complex than most I would say due to being self employed and having a limited company but he had no trouble with achieving me a great mortgage deal and borrowing amount with the information I gave him. It has been a pleasure to deal with david through buying this property and I shall definitely be using him on any future purchases or remortgages. Nothing was ever to difficult for him and he was always just at the end of the phone when you needed him even after his working hours he went above and beyond by helping me with help to buy also.read more
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