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CIS Mortgage Calculator

How much could you borrow for a mortgage?

Estimate your borrowing power based on your gross CIS voucher income using our specialist tool. No credit checks here! Simply fill out the information below to get your estimate!

Specialist CIS Mortgage Guides

Understanding how lenders view CIS vouchers is the key to unlocking your true borrowing potential. From proof of income to handling bad credit as a sub-contractor, our guides cover everything you need to know about securing a mortgage under the Construction Industry Scheme.

5 mins

CIS Mortgages Explained

Learn how specialist lenders use your gross CIS voucher income to significantly increase your mortgage borrowing power.
Read our CIS guide

8 mins

Proof of Income Guide

Discover exactly which documents you need to provide to evidence your self-employed income to a mortgage lender.
Learn about proof of income

6 mins

Struggling with bad credit?

Explore how you can still secure a mortgage as a self-employed worker even if you have credit file blips like CCJs or defaults.
View bad credit options

Excellent

4.94 based on 154 reviews

Nathan & Erin

Verified user

Dan was fantastic from start to finish. It took him less than a day to secure us a mortgage offer on a competitive rate. Never a question he was unable to answer whether it was mortgage or life insurance related. Highly recommend, A1 service!

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United Kingdom, 2 months ago

Gary

Verified user

Daniel helped us again renewing our mortgage and was extremely helpful throughout the entire process. Emails were responded to promptly, and any queries we had were dealt with without hesitation. Highly recommend.

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United Kingdom, 2 months ago

Costas

Verified user

We were very happy with Daniel at Just Mortgages as he helped us with our mortgage journey.He was very helpful and the process was quicker then we expected.Excellent customer service and very professional....5 Star review for Just Mortgages!

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United Kingdom, 8 months ago

Yaser & Amanah

Verified user

Daniel was excellent, he really helped us get the right mortgage package. He helped me understand each package and rate. Daniel was very patient with me. Thank you Daniel! I honestly highly recommend

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United Kingdom, 8 months ago

Timothy

Verified user

As a Landlord with a large portfolio the number of products available are limited. Daniel was great identifying competitive products and we agreed to three buy to let mortgages which completed without any issues. All questions and responses were anwered in a timely and professional manner. I would recommend Daniel and Just Morgage Brokers.

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United Kingdom, 8 months ago

Verity

Verified user

Just Mortgage Brokers are very helpful and responsive. Would definitely recommend their services to everyone

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United Kingdom, 8 months ago

Daniel

Verified user

Excellent support getting my initial mortgage and subsequently remortgaging. Very friendly service, always transparent and honest. Recommend highly

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United Kingdom, 8 months ago

Sarah

Verified user

It’s the second time we have used Just Mortgage Brokers & they were amazing! Daniel made everything so easy for us. We will definitely use them every time & recommend to friends & family.

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United Kingdom, 8 months ago

Emma

Verified user

Super easy to use, saved loads of time and stress having to sort out a new mortgage ourselves. It's easy to talk to a person on the phone and everyone has always been very helpful. This is the second time we've just JM and I would highly recommend!

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United Kingdom, 8 months ago

Ben

Verified user

Smooth as ever, efficient and charming - thanks team!

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United Kingdom, 8 months ago

FREQUENTLY ASKED QUESTIONS

Yes, many specialist lenders treat CIS sub-contractors differently than standard sole traders. Rather than looking at your final accounts or net profit, they can base your affordability on your gross CIS voucher markings, which often significantly increases your borrowing power.

Typically, you will need your CIS pay slips or vouchers from the last 3 to 12 months, along with your most recent SA302 and tax year overviews to evidence your continuous work within the construction industry.

Yes, as long as you meet the lender’s affordability and credit criteria, CIS workers can often access the same deposit schemes as employed applicants, including 5% deposit options.