Winners 2026
Your CIS borrowing power,
in seconds
Built specifically for subcontractors paid under the Construction Industry Scheme. Gross pay in, real borrowing figure out — no generic high-street maths, no being treated like a risk because you’re on the tools.
Your CIS income
Use your gross pay — the figure before the 20% CIS deduction comes off. That is what CIS-friendly lenders assess, not what lands in your bank.
We’ll average whatever you put in — leave a month blank if you haven’t got it to hand. Quiet month or a long shutdown? Put the real figures in; we’d rather show you a number you can rely on.
Deposit
How much have you got to put down? This is added to your maximum loan to give your total purchase price.
Credit commitments
Add any monthly commitments — loans, cards, car finance. If something will be cleared before completion, mark it so and we won't count it against your borrowing.
£ What would the monthly payments be?
An indicative repayment on your maximum loan.
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Your calculation summary
This calculator provides an indicative estimate only and does not constitute a mortgage offer, advice, or a guarantee of lending. Your specialist maximum loan is estimated as 6.5× gross annual CIS income (before the 20% CIS deduction) less the impact of any monthly credit commitments not cleared before completion. Actual lending depends on a full assessment of your circumstances, credit profile, property and individual lender criteria. The 6.5× income multiple reflects an exclusive specialist arrangement and is subject to lender terms and availability. The high street figure is an illustrative 5× income comparison, not a quote from any named lender. Your home may be repossessed if you do not keep up repayments on your mortgage.