Mortgages for CIS subcontractors

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    • Specialist broker for Construction Industry Scheme (CIS) subcontractor mortgages

    • Borrowing potential of up to 5.5x your annualised contract income

    • Minimal documentation required: 3-6 months’ payslips, CIS registration info and ID  

     

    Overcoming the barriers to mortgage approval

    CIS subcontractors often face challenges securing mortgages going through traditional routes. High street lenders rely heavily on accounts, payslips, and SA302s, which can paint an incorrect picture of your actual earning potential.

    This outdated approach often leads to lower borrowing offers or rejected applications, putting CIS contractors in a difficult position. We remove these barriers by collaborating with specialist lenders who understand how a CIS subcontractor’s income works, ensuring the process is smooth and straightforward.

    Talk to the experts

    The best rates and expert advice for first-time buyers, home movers and remortgages

    Rated 5 out of 5 stars based on 874 customer reviews

    • 5.0

      Google

      Customer Reviews

    • I want to thank you so much for the success of the mortgage process, I appreciate your dedication, passion, encouragement and advise during the time of getting the DIP and the offer. The bank has released there part of the money and the completion is tomorrow. I will highly recommend you to people I know. Once again thank you
      Kazeem Kareem
    • I've been working with Raj at Freelancer Financials and I would highly recommend him. Raj is very knowledgeable and always takes the time to explain things clearly. The application process was very efficient and I'm very happy with the service.
      Keith J.
    • Andrew has helped us with our home buying journey at every single stage. From the actual mortgage application to recommending a solicitor and conveyancer, as well as a protection broker, we were fully taken care of. Andrew was always incredibly helpful and responsive and made the whole experience truly enjoyable!
      Malin

    How much can I borrow on a CIS worker mortgage?

    Why choose Freelancer Financials?

    Talk to the contractor mortgage experts

    As the leading mortgage broker for CIS sub contractors and the flexible labour workforce, you’ll be in safe hands with Freelancer Financials.

    Freelancer Financials is an independent broker with access to every mortgage from every lender, meaning we can offer truly unbiased advice and find you the best deal for your unique circumstances.

    Established more than 20 years ago, we have a proven track record of arranging over 30,000 mortgages for umbrella company employees, every kind of contract worker and the self-employed.

    Our specialist broking team will support you throughout your mortgage journey, and we have nearly 1000 5-star reviews from clients to prove it. Whatever your mortgage needs, it’s time to talk to the experts.

    Get expert mortgage advice

    Rated 5 out of 5 stars on Google

    Go to Google reviews