A CIS Mortgage refers to using income from the Construction Industry Scheme (CIS) when applying for a home loan. Instead of relying on net profit or year-end tax returns, some lenders accept your CIS payslips and bank statements, often using gross income, to calculate borrowing capacity.

Why it matters for contractors / subcontractors:

• Income verification is easier and faster than standard self-employed mortgages
• Potential to borrow more, since gross income tends to be higher than net profit after expenses
• Less requirement for long trading history. Some lenders accept 3–6 months’ payslips rather than 2 years accounts

What you need to qualify:

• Evidence of CIS income (payslips / payment statements) and matching bank statements.
• Steady work history (ideally at least 12 months in construction under CIS, though some lenders are flexible)
• Deposit and other standard mortgage requirements (credit score, affordability, etc.) as with any mortgage application

A CIS mortgage isn’t a special “different mortgage product”. It’s a normal mortgage structured around how CIS income is documented. For contractors and subcontractors, it can make homeownership more accessible if income is properly verified and a CIS-friendly lender is chosen.