Prepare the file

CIS worker mortgage evidence

Construction Industry Scheme pay is gross, deduction and net. A lender may look at a different one of those three. Collect all three.

CIS payment and deduction statementsThey show the contractor, the gross amount and the tax deducted.
Gross pay, not just what hit the bankThe bank shows the net. The statement shows the gross the deduction came from.
UTR and tax statusGross payment status and deduction status are not the same document trail.
Names of the contractors who paid youA year with one contractor looks different from a year with many.
Materials you paid for and were reimbursedMaterials can inflate a bank credit without being income.

What this page will not do

A CIS deduction is not a student-loan style payroll. Do not describe it as a P60 unless you also have one.
Umbrella CIS and limited-company CIS use different pages of this site.
It will not name a lender, a product, or an approval chance.

Questions

Will a lender use CIS gross pay?: Some may, some may not. MortgageConnector does not publish a CIS multiple.
What if I have a P60 as well?: Keep it. Employed weeks and subcontracting weeks should stay labelled.

MortgageConnector is a mortgage broker introducer and information service. We do not provide regulated mortgage advice. Where appropriate, we can introduce you to an FCA-authorised mortgage broker who can assess your circumstances and provide advice.

The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.

Your home may be repossessed if you do not keep up repayments on your mortgage.

These figures are illustrative.

An FCA-authorised broker can look at the actual income, credit and property. MortgageConnector introduces you. We do not choose the mortgage.

Find a broker experienced with CIS income