You work harder than most. Early starts, long days, physically demanding jobs. So why do banks treat you like a risk?
The truth is, most high-street lenders don't understand CIS income — and it costs tradespeople their dream homes every single day. We think that's wrong. We use your gross contract income, not just your tax return, unlocking thousands more in borrowing.
Lenders who use your gross CIS income, not net profit after tax deductions
Some lenders accept just 12 months of CIS statements
Access low-deposit mortgages even as a CIS worker
Decision in Principle often within hours, not weeks
No penalty for being CIS — we match you to the right lender
Transparent advice with no surprise charges
Speak to a CIS specialist today — no obligation
Being declined by a bank doesn't mean you can't get a mortgage. It means you spoke to the wrong people. Here's why working with us changes everything.
Most brokers treat CIS workers like standard self-employed. We know that CIS gross income should be used — not just what's on your SA302. This can increase your borrowing by thousands.
We have access to 200+ lenders, including specialists who actively welcome CIS applications. Many of these lenders aren't available on the high street or through comparison sites.
We've helped CIS subcontractors, tradespeople, and construction workers secure mortgages — even when they've been declined elsewhere. 5-star rated by our clients.
Understanding how lenders view CIS income is key to maximising what you can borrow.
Specialist lenders use your gross CIS income (before tax deductions) rather than your net profit or SA302 figures. Since CIS tax is deducted at source (20% or 30%), your gross income is significantly higher than what shows on your tax return — meaning you can borrow more.
Don't let one more bank make you feel like you're not good enough. You are. It takes 2 minutes to fill in our form — and we'll show you what's actually possible.
Or email us at hello@opusmortgage.co.uk