When you’re paid through the Construction Industry Scheme (CIS), understanding how lenders set mortgage rates and terms can feel complicated. Here are answers to three of the most common questions we hear from CIS workers.

Do CIS workers pay higher mortgage rates?

Not by default. CIS workers aren’t automatically placed on higher rates just because of the way they’re paid. The key factor is how your income is presented to the lender. With the right documents – payslips, vouchers and tax overviews – specialist lenders will often treat you on the same terms as employed applicants. Where things can go wrong is if your application is put through a lender who doesn’t fully understand CIS income. That’s where tailored advice makes a difference, ensuring you access the competitive deals available to you.

How long a mortgage term can I get as a CIS worker?

Mortgage terms for CIS workers are no different to standard applicants. Most lenders offer terms from 5 to 40 years, depending on your age, deposit and affordability checks. Choosing the right term is about balancing monthly repayments with the total interest paid over time. A longer term can reduce your monthly outgoings, while a shorter one clears the balance faster.

Will my income fluctuations affect the mortgage I’m offered?

Many CIS workers see their income rise and fall depending on contracts. Lenders understand this. Instead of judging a single payslip, they often take an average over the past three, six or twelve months. This gives a fairer picture and smooths out peaks and dips. With the right lender, variable income doesn’t need to hold you back.

Ready to see what you could borrow as a CIS worker? Learn more about how we help CIS workers borrow more, or speak with us today and explore the mortgage rates available to you.