CIS Contractors Mortgages Advice in London

Finding a CIS contractor mortgage in London can be challenging, but Home Guru makes it simple. If you work under the Construction Industry Scheme (CIS), we help you secure a mortgage based on your gross income rather than net income, improving affordability.

Unlike traditional lenders who require two to three years of accounts, we work with CIS-friendly mortgage lenders who accept as little as 3-6 months’ payslips as proof of income.

We have successfully helped self-employed professionals across London boroughs, including Camden, Hackney, Islington, and Canary Wharf, gain mortgage approvals. Whether you’re based in Clapham, Tooting, or Shoreditch, our local expertise ensures we find the right mortgage tailored to your financial situation.

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Can CIS Contractors Get a Mortgage in London?

Yes! As a CIS contractor in London, you are treated differently from standard self-employed applicants. Instead of lenders assessing your income after tax and deductions, many will consider your gross earnings before deductions, allowing you to borrow more.

Higher borrowing potential based on gross income
Mortgage approvals with just 3-6 months’ CIS payslips
No need for full self-employed accounts
Access to high street banks & specialist lenders

How to Get a CIS Contractor Mortgage in London

To improve your chances of approval, lenders will assess:

Your CIS payslips from the last 3-6 months
Bank statements showing your income deposits
Credit history (better scores mean better rates)
A deposit (typically 5-10%)

If you’re unsure about your eligibility, our CIS mortgage brokers in London will guide you through the process and match you with the right lender.

Our Trusted Lenders for CIS Contractor Mortgage London Applicants

We work with high street banks and specialist lenders offering favourable mortgage terms for CIS workers. Some of the best mortgage lenders for CIS contractors include:

Halifax – Accepts CIS gross income with just 3 months’ payslips
Nationwide – Requires a minimum of 6 months’ CIS earnings
Barclays – Favourable rates for contractors with steady income
Specialist Lenders – For those with lower credit scores or irregular income

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What Our Clients Say About Their CIS Contractor Mortgage London Experience

    
 
 
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   Jamie Hannon 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ravi at Home Guru has been brilliant for our remortgage in Hayes. He found us a deal for our first mortgage and now again for the remortgage - and there’s no charge to us, it’s free.  We provided some details on a call and then it was all sorted for us.  We will come back to Home Guru again for our mortgages because Ravi makes it easy.
  
 
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   Mitra Neshaneh 
 
 
 
 Trustindex verifies that the original source of the review is Google. I recently worked with Home Guru as my mortgage broker, and I couldn't be more pleased with the experience. From the very beginning, Ravi was professional, approachable, and incredibly knowledgeable about the entire process. He took the time to understand my financial situation and what I was looking for, then explained all my options clearly without any pressure. What stood out most was how responsive he was-always quick to answer my questions and keep me updated at every stage. Thanks to Ravi's expertise, I was able to secure a mortgage deal that suited my needs and budget much better than I expected. I would highly recommend Ravi to anyone looking for a mortgage broker who is reliable, transparent, and genuinely committed to helping their clients.
  
 
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   Hassan Khan 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was very impressed with the service and would highly recommend
  
 
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   jonny marsh 
 
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely amazing service, couldn’t have asked for any more from him. I have a large default and had a contact a specialist at the cost of £1100 and Ravi come back from a better rate and mortgage product, and even managed to get us a further rate deduction before closing. I would highly recommend and I will be using his services again.
  
 
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   yasemin ibrahim 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ravi was brilliant in dealing with our Mortgage. I would definitely recommend Ravi. Ravi is our Mortgage broker for life.
  
 
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   Ann Dap 
 
 
 
 Trustindex verifies that the original source of the review is Google. He has honestly made the mortgage process a lot easier, with immediate responses and quickly answered questions he remained professional and efficiently throughout . Would definitely recommend
  
 
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   Michael Gunadi 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had a great experience with Ravi - super helpful, always responsive, and found us a fantastic deal. Thanks for all of your help! Would absolutely recommend his services to anyone looking for a mortgage.
  
 
      Posted on Google  
   
   J Hub 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ravi was exceptional. Very attentive, knowledgeable and was able to help us secure our mortgage quickly before the March stamp duty deadline. Would highly recommend!
  
 
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   Felix Meis contrasty 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ravi is amazing, we have been in a meeting, and he explain me all the process, also he answer me all my questions. Very professional, thanks Ravi, keep in touch
  
 
      Posted on Google  
   
   Zac Wiggins 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had an amazing experience with Home Guru (Rav),  and we can’t recommend them enough for first-time buyers! As a free mortgage broker, they provided expert advice without any hidden costs, making the whole process stress-free and straightforward. They took the time to explain everything clearly, helped us find the best mortgage deal for our situation, and handled all the paperwork efficiently. Their communication was excellent, and they were always available to answer our questions. Thanks to their support, we secured a great mortgage with confidence. If you're a first-time buyer, this is the broker to go with!
  
 
  
  
 
 
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Frequently Asked Questions About CIS Contractors Mortgages in London

What CIS Contractor Mortgage Eligibility Criteria?

Trading under CIS for at least 3 months
Regular CIS income deposits into your bank accountA deposit of at least 5% (higher deposits = better rates)
A good credit score helps but is not essential

Even if you’ve been declined elsewhere, our mortgage brokers can explore specialist lenders who understand CIS workers’ income structures.

Why Choose Home Guru for CIS Contractor Mortgages?

CIS mortgages with as little as 3 months’ payslips
Expert mortgage brokers in London with access to exclusive deals
High street banks & specialist lenders who accept CIS income
Fast mortgage approvals with no hidden fees

We understand that CIS contractors face unique challenges in securing a mortgage, and we are here to make the process as simple as possible.

How much can I borrow as a CIS contractor in London?

Most lenders will lend 4-5 times your annual gross income, calculated from your CIS payslips. We can help you estimate your borrowing potential.

Do I need two years of accounts to get a CIS mortgage?

No! Many lenders accept CIS payslips instead of full accounts, making it easier for contractors to get approved.

How much deposit do I need for a CIS mortgage?

Most CIS mortgage lenders require a 5-10% deposit, though some may accept lower deposits.

Where can I find more information about Stamp Duty for CIS contractors?

Use the official UK Stamp Duty Calculator to determine how much Stamp Duty you need to pay.

For more FAQs, visit our CIS Contractors Mortgage Blog

What does a mortgage broker do, and how can Home Guru help me?

Is using a mortgage broker free with Home Guru?

Can you help first-time buyers in London?

How do lenders assess my income?

Can I get a mortgage in London if my income fluctuates?

What is a Agreement in Principle in London?

A agreement in principle in London (also known as an decision in principle) is a conditional offer from a lender stating how much they are willing to lend you based on your financial circumstances. While it is not a guarantee of a mortgage, it shows sellers in London that you are a serious buyer with potential financing.

How Long Does the Mortgage Application Process Take in London?

The mortgage application process in London can take about a week, depending on the complexity of your situation and the lender’s requirements. It involves submitting documentation, undergoing a credit check, and waiting for the lender’s approval.

Do you work with buy-to-let investors in London?

Yes, we offer tailored mortgage solutions for buy-to-let investors in hotspots like Peckham (SE15) and Leyton (E10). Whether you’re a first-time landlord or expanding your portfolio, we’ll help you find the best financing options.

Why choose Home Guru over other mortgage brokers in London?

What Areas in London Do You Serve

We provide mortgage advice to first time buyers across all London postcodes, including Acton, Canary Wharf, Chelsea, Richmond, and more. Whether you’re looking to buy in North, South, East, or West London, Home Guru has local expertise to help you find the best mortgage deal. we proudly extend our expert mortgage assistance and advice across London including the following areas:

Acton W3
Barking & Dagenham IG11
Barnet EN4 & EN5
Battersea SW8 & SW11
Bayswater W2
Bexley DA5
Bexleyheath DA7
Brent Cross & Hendon NW4
Broxbourne EN10
Camden NW1
Canary Wharf E14
Canning Town E16
Chelsea SW3 & SW10
Chigwell & Hainault IG6 & IG7
Chiswick W4
Clapham SW4
Clayhall IG5
Colindale & Kingsbury NW9
Cricklewood, Dollis Hill, Childs Hill, Willesdan & Neasden NW2
Croydon CR0
Dagenham RM8, RM9, RM10
Ealing Broadway W5
Edmonton Green N9
Edmonton N9
EN6 Potters Bar
Enfield EN1, EN2 & EN3
Fulham SW6
Grays RM16, RM17 & RM20
Greenwich SE10
Hackney E8
Hampstead & Swiss Cottage NW3
Harlesden, Kensal Green & Wilesden NW9
Hayes UB3,
Herne Hill SE24
Hertford SG14
Hoddesdon EN11
Holland Park W11
Holloway N7
Hornchurch RM11 & RM12
Hornsey N8
Islington N1
Kensignton W8, W11, W14, SW5 & SW10
KIlburn, Queens Park & West Hampstead NW6
Lambeth & Southwarl SW2
Loughton IG10
Muswell Hill N10
Notting Hill W11
Peckham SE15
Purfleet RM19
Rainham RM13
Richmond TW9, TW10, TW11
Romford RM1, RM2, RM3, RM4, RM5, RM6, RM7
South Ockendon RM15
SouthGate N14
St Albans Al1
Stevenage SG1 & SG2
Stratford E15
Thamesmead SE28
Tilbury RM18
Tooting Broadway SW17
Upminster RM14
Waltham Abbey EN8 & EN9
Waltham Cross EN7 & EN8
Walthamstow E17
Wandsworth SW18
Wimbledon SW19
Woodford Green IG8

Leyton E10

What Fees Are Involved in Getting a Mortgage in London?

Common fees associated with obtaining a mortgage in London include arrangement fees, valuation fees, and legal fees. Some mortgages also have early repayment charges or exit fees. It’s important to understand all costs upfront to avoid any surprises when buying in London.