Construction Industry Scheme
C.I.S
Mortgages
What is a C.I.S Mortgage?
A CIS Mortgage is offered to Electricians, Painter & Decorator, Bricklayers, Engineers, Craine Operators, and Project Managers to name a few who are working within the Construction Industry Scheme and deducted 20% Tax (vouchers/payslips) from your income. If not yet registered, it will be best for income tax purposes.
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Did you know there were over 2m Construction Workers in Britain between July–Sept 2020 according to ONS, and all are in the same boat as you, and we want to help and show you how to get your mortgage with only a 3-6mths voucher payslips.
Our CIS broker at Rockstar Mortgages will assess your financial details, and your circumstances and will guide you through what the lender will say 'Yes' with little deposit of what is required.
FREE 'Lifetime Mortgage Membership' Saving you £000s (click here for more details)
Who can have a CIS Mortgage?
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Plasterer
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Bricklayer
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Electrician
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Crane Driver
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Labourer
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Plumber
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Project Engineer
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Heating Engineer
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Bull Dozer Driver
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Tipper/Truck Driver
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Excavator Driver
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Concrete Crusher
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IF YOU'RE CIS, WE CAN HELP
FAQs
C.I.S Mortgage
I don't have 1yrs tax returns, can I still get a mortgage?
If your Book Keeper/Accountant is telling you to hold onto your receipts until your tax return which leaves you delaying buying your own home. We only need 3-6mths payslips, not 1yr Tax Return.
My credit profile isn't that good, can you still help?
You're not alone. It doesn't matter if you have some credit blips in the past, we know which lenders to approach based on your circumstances.
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What size of a deposit do I need?
It’s possible you'll only need as low 5% deposit. You know the saying, the more deposit, the better the interest rate will be.
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Why payslips and not my 1st Year Tax Return?
Your Gross payslips will be used to calculate on what you could borrow, not your Net for Tax Returns. This gives you more borrowing power. Ask your accountant to contact Rockstar Mortgages as other Construction Workers could be told the same story as you. We help CIS Workers.