Borrow More
Up to 5.5x income
Exclusive Rates
With 10,000 products
Save
Time
We handle the leg work
Fast Decisions
Approved in 24hrs
If you’re a CIS contractor working in the construction industry, getting a mortgage can feel like an uphill battle. Many high street lenders still base their lending criteria on the idea that everyone is permanently employed with a regular monthly salary. So, when they see weekly income, paid through invoices rather than payslips, they hesitate.
The result? You could be told you can’t borrow as much as you need, face higher interest rates, or even be turned down altogether. Some lenders may treat you as self-employed, or only look at your net income rather than your full gross CIS earnings, which can make your affordability appear lower than it really is.
It doesn’t seem fair, does it? Especially when you know your income is steady, consistent, and often higher than many employed workers, and your finances are stable. But because you’re paid weekly and classed under CIS, traditional lenders may see you as a higher risk, even when you’re not.
You might even have felt pressured to change how you’re paid or provide endless paperwork just to satisfy a lender. It’s frustrating, outdated, and completely unnecessary.
At The Residential Mortgage Hub, we do things differently
We specialise in helping CIS contractors access the mortgage market without needing to change how you’re paid. We work with a wide panel of over 100 lenders, including those who are comfortable assessing your income based on your gross CIS earnings rather than treating you as self-employed. That means you could borrow up to 5.5 times your income, without needing to alter your payment method or tax setup.
We work directly with underwriters who understand how CIS contractors are paid and who are ready to say yes when some banks say no.
As a whole-of-market broker, we’ll guide you through every step of the process, from sourcing the best deal, to preparing your application, and handling all the paperwork, so you can focus on your work, your family, and everything else that matters, without the stress of outdated lending criteria.
Getting started is easy
Just fill out our short online form, and we’ll be in touch to talk through your options, at a time that suits you, including evenings and weekends.
Take the Next Step
1. Fill out our quick enquiry form
2. Speak with a contractor mortgage specialist
3. Discover the lenders ready to support your goals
Take the First Step Today
Fill out the form below or give
us a quick call to have an initial
chat so we can give you a fast
decision and clear guidance to
help you get the home you want.
or call us on: 01634 968111
Why Choose Us?
As Experts in Contractor Mortgages we bring these benefits.
Borrow More
At The Residential Mortgage Hub, we specialise in helping CIS contractors borrow more, often up to 5.5 times your income. We work with lenders who understand that being paid weekly through CIS doesn’t make you a higher risk, but reflects the flexible nature of working in the construction industry.
We’ve built strong relationships with specialist lenders and their underwriters, the real decision-makers who understand how CIS contractors are paid. We connect you with lenders who are ready to say yes.
Exclusive Rates
We have access to over 10,000 mortgage products, including exclusive deals you won’t find by going direct to lenders. This gives you a wider choice and better opportunities to secure the right mortgage, so you save money and afford the house you want.
Our smart technology and in-depth market knowledge allow us to quickly identify the lenders and products most suited to your circumstances. That means less time searching, fewer rejections and securing your home.
Save Time, Stress-Free
We’ve spent years helping CIS contractors secure mortgages, so we know which lenders understand fixed-term income. By going straight to the right lenders, we save you from wasted applications and protect you from unnecessary credit checks. Our stress-free process keeps things simple, so you can focus on moving into your dream home.
Fast Decisions
We understand that speed matters, especially when your dream home is at stake. That’s why we’ve built streamlined processes designed to deliver results quickly. Once we have your key details, we aim to secure a Decision in Principle within 24 hours, giving you the confidence to secure your home quickly..
What Our Customers Say
Getting a mortgage with our help is really simple
Get in touch
Complete the 30 second form or give us a call.
We’ll look for a great mortgage
Tell us about your situation and we’ll start your search.
We’ll support you from start to finish
We’ll advise you on options and help you choose the right one.
..until you get the keys to your dream home
We stay with you until you move in.
Mortgages for CIS Contractors
What You Get
Borrow
More
Up to 5.5x income
Exclusive
Rates
With 10,000 products
Save
Time
We handle the leg work
Fast
Decisions
Approved in 24hrs
Take the First Step Today
Fill out our quick enquiry form or give us a call to set up an initial chat.
or call us on: 01634 968111