Construction Industry Scheme (CIS) Mortgages
CIS Mortgages Designed for Construction Workers and Tradespeople
You work hard on site, often in all weathers, yet securing a mortgage can feel more difficult than it should. If you are paid through the Construction Industry Scheme, your payslips and tax returns do not always reflect your true earning potential.
Stagg Mortgage Services provides specialist guidance on CIS mortgages, helping subcontractors and tradespeople use their gross day rate—not just their net profit—when lenders assess affordability. This can increase your borrowing capacity and give you more options for your home‑buying plans.
Make Your CIS Income Work Harder for You
Many CIS subcontractors are told they will struggle to get a mortgage or that lenders will only consider their net profit after expenses. For people working in construction, this can significantly reduce borrowing power and make the home they want feel out of reach.
With the right lenders, your income can often be assessed using your CIS vouchers or pay slips and your gross day rate instead. This approach recognises the true level of your regular earnings and can increase the amount you may be able to borrow compared with a standard self‑employed assessment.
We focus on CIS mortgages tailored to how you actually work—whether you are a laborer, electrician, plumber, joiner, roofer, driver, or in any other site‑based role. Our team takes time to understand your contract pattern, hours, day rate and experience so we can match you with lenders who understand CIS income.
- Gross CIS income used instead of net profit
- Higher borrowing potential compared with traditional self‑employed assessments
- Access to lenders familiar with construction and trade roles
- Support with paperwork to present your income clearly
- Straightforward explanations at every stage
How Our CIS Mortgage Advice Works
We begin with a clear conversation about your work and your goals. We will ask about your day rate, typical working days, CIS statements or pay slips, and how long you have been in the trade or with your current contractor. We then look at your wider situation, credit history and financial commitments—to build a realistic picture of affordability.
From there, we research mortgage options suited to CIS subcontractors. We explain how each lender treats your income, what your monthly payments could look like and what documents you will need. Once you are ready to move forward, we manage the application, liaise with the lender and keep you updated from start to finish.
Supporting Your Whole Home‑Buying Plan
For many people in construction, buying a home is about creating stability for partners, children and extended family. We look beyond the mortgage itself and discuss how to protect your income and your loved ones if something unexpected happens.
Alongside CIS mortgages, we can arrange life insurance, critical illness cover, family income benefit and income protection that work alongside your mortgage. We talk openly about the realities of physical trades, time off‑site and fluctuating income, then help you choose protection that fits your needs and budget.
Why Choose Stagg Mortgage Services for CIS Mortgages
We understand that paperwork and financial jargon are the last things you want to deal with after a long day on site. Our approach is calm, patient and down‑to‑earth. We explain everything in plain English, keep you informed and make sure you always understand what is happening and why.
Stagg Mortgage Services is an independent mortgage brokerage based in Sheffield, meaning we are not tied to any single lender. We work for you—not the banks—and our aim is to help you feel confident in every decision. Whether you are a first‑time buyer, moving home or dealing with a more complex CIS case, we provide clear advice and steady support from agreement in principle to getting the keys.
Get Started With Your Project Today
If you are ready to explore CIS mortgages, we will guide you through each step and ensure your income is presented clearly and fairly. Contact Stagg Mortgage Services to discuss your plans or arrange a convenient time for a no‑obligation chat.
