Current and previous contracts
Contractors & CIS workers
When income does not fit a standard payslip, the context becomes important.
Careful preparation for contractors, CIS workers and applicants with variable or project-based income.
Discuss your working pattern
Calm adviceClear preparation.
Careful consideration.
Careful consideration.
A proper starting point
Start with how you actually work.
Contract length, day rate, employment status, gaps, renewal history and CIS deductions can all affect how the position needs to be explained.
A review can help identify the evidence and questions worth preparing. It does not guarantee that a particular lender, calculation or income approach will be available.
What the review can cover
The review may consider
The exact information, evidence and questions depend on your individual position. This list is general guidance rather than personal advice.
Day rate, hours and working pattern
Employment, umbrella or company structure
CIS statements, payslips or accounts
Gaps, renewals and expected changes
Deposit, commitments and wider affordability
Worth considering
Before an application
No single factor determines suitability or availability. The full circumstances need to be understood together.
- Keep contracts and renewal evidence available
- Make income history easy to follow
- Explain gaps or changes rather than leaving them unclear
- Avoid relying on an unverified income calculation
- Allow time if employment status is changing
Common questions
Clear answers to useful starting questions.
These answers are general and should not be treated as personal mortgage or protection advice.
Can a day rate be used?
Some lender approaches may consider contract income in particular ways, but the route depends on current criteria and the full circumstances.
What if I have gaps between contracts?
The pattern and explanation may be relevant. It should be reviewed rather than assumed to be acceptable or unacceptable.
Is CIS treated as employed income?
Treatment varies. The evidence, history and current position need to be checked before discussing likely routes.
A conversation, before a commitment
Choose a convenient time to talk.
Book a discovery call to explain what you are considering. Any personal recommendation would follow an appropriate full review of your needs and circumstances.
Primary contact
Book a discovery call
Choose an available time online for an initial 30-minute conversation.
View live availabilityBooking an initial call does not constitute personal advice.Your home may be repossessed if you do not keep up repayments on your mortgage.