Which Lenders Accept CIS Contractors?
Many UK lenders will lend to construction workers paid under the Construction Industry Scheme — and the better ones use your gross CIS income from vouchers or statements rather than your net self-employed accounts, which usually supports a larger loan.
As of 2026-08-10, published criteria from 42 of the 58 UK lenders we track can accommodate this scenario — 8 high-street, 24 building societies and 10 specialist — with minimum deposits from 0%.
Data refreshed 2026-08-10. Information only — not advice.
Your situation
High Street Lenders
- Bank of Ireland— Up to 95% LTV
- Barclays— Up to 95% LTV
- Clydesdale Bank— Up to 95% LTV
- Halifax— Up to 95% LTV
- HSBC— Up to 95% LTV
- NatWest— Up to 95% LTV
- TSB— Up to 95% LTV
- Virgin Money— Up to 95% LTV
Building Societies
- Bath Building Society— Up to 95% LTV
- Beverley Building Society— Up to 95% LTV
- Buckinghamshire Building Society— Up to 90% LTV
- Cambridge Building Society— Up to 95% LTV
- Darlington Building Society— See lender criteria
- Earl Shilton Building Society— Up to 95% LTV
- Ecology Building Society— See lender criteria
- Family Building Society— Up to 80% LTV
- Harpenden BS— Up to 80% LTV
- Hinckley & Rugby Building Society— Up to 95% LTV
- Marsden Building Society— Up to 95% LTV
- Newcastle Building Society— Up to 95% LTV
- Penrith Building Society— Up to 90% LTV
- Principality Building Society— Up to 95% LTV
- Progressive Building Society— Up to 95% LTV
- Saffron Building Society— Up to 95% LTV
- Skipton Building Society— Up to 100% LTV
- Stafford Railway Building Society— Up to 95% LTV
- Suffolk Building Society— Up to 95% LTV
- The Melton Building Society— See lender criteria
- Tipton & Coseley Building Society— Up to 95% LTV
- Vernon Building Society— Up to 95% LTV
- West Bromwich Building Society— Up to 95% LTV
Specialist Lenders
- Aldermore— Up to 95% LTV
- Atom Bank— Up to 95% LTV
- Bluestone Mortgages— Up to 90% LTV
- BM Solutions— Up to 80% LTV
- LendInvest— Up to 90% LTV
- Pepper Money— See lender criteria
- Tandem Bank— Up to 90% LTV
- Vida Homeloans— Up to 97% LTV
A lender name is only half the answer — the amount each might lend varies by tens of thousands — our figures are conservative estimates, not offers.
See your figuresWhy some lenders say no
- Some lenders insist on 2-3 years of self-employed accounts and will not use CIS vouchers or statements at all.
- Under 12 months under CIS: most voucher-based lenders want at least 12 months of CIS payment history.
- Irregular payment patterns or long gaps between CIS credits on bank statements.
- Mixing CIS work with limited-company invoicing — lenders may then treat you as a Ltd director and ask for accounts instead.
Related reading: Which lenders accept 1 year of self-employed accounts? · Which lenders use contractor day-rate income? · CIS contractor mortgages — specialist deep-dive
See an estimate of what each of these lenders might lend you
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Run My Affordability CheckFrequently asked questions
What is the advantage of a lender using CIS vouchers?
CIS vouchers or payment statements show your gross income before expenses. Lenders that work from vouchers typically average the last 3-12 months of gross payments, which is usually a higher figure than the net profit on your tax return — so the same work history supports a larger mortgage.
How long do I need to have been paid under CIS?
Voucher-based lenders generally want 12 months under CIS, though some accept 6 months with previous employment in the same trade. Lenders that treat you as ordinarily self-employed will want 1-2 years of accounts or SA302s instead.
Does the 20% CIS deduction affect what I can borrow?
No — the 20% deducted at source is a tax payment, not a reduction in your income. Lenders using CIS statements work from the gross figure; the deduction is reconciled through your tax return like PAYE tax would be.
What paperwork will I need?
Typically your last 3-12 months of CIS vouchers or payment statements, matching bank statements, and photo ID. Lenders using the self-employed route will ask for SA302s or accounts instead — worth knowing which route a lender takes before you apply.
