Building Contractor / CIS Mortgages
Are you a building contractor that is struggling to get a mortgage? Have you been told you can’t get a mortgage because you don’t have accounts for the last three years?
Do I require accounts if I work under the CIS / Builders scheme?
We DO NOT require accounts to secure a mortgage for you.
What's required if I work under the CIS scheme to prove my income?
If are working under the CIS Scheme (Construction Industry Scheme) where 20{f3e6733233b70b8da8509d0af294c4ca7fb8b7488135760b99cf9baca8bf684d} tax is deducted at source and you have been doing this for 6 plus months then we require the gross total of the amount earned over the first six months.
What deposit is required to secure a mortgage on this scheme?
The minimum deposit our lenders will consider is 5{f3e6733233b70b8da8509d0af294c4ca7fb8b7488135760b99cf9baca8bf684d}
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As a guide, you could potentially borrow around:
The figure above is calculated based around current lender criteria and may not be representative of the actual figure you may be able to borrow.