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Construction Industry Scheme (CIS)

Income through the Construction Industry Scheme (CIS) can be considered if the applicant has 12 months’ continuous employment in the same line of work.

This can be from different companies and can be against previous or future guaranteed work. This income is weighted at 100%.

Evidence requirements

To verify income:

  • 2 months' payslips or invoices

To verify 12 months continuous employment/income:

  • Latest year’s SA302 & TYO, or
  • Current contract, or
  • Latest annual invoice schedule

Where future employment is being evidenced, a contract showing a minimum of 3 months remaining is required.

Calculating Income

An average of the last 2 months’ CIS payments should be declared, annualised over the full year.

The income should be in line with the contract, latest SA302 or annual invoice schedule. Where there is a large discrepancy, a rationale should be provided.

Gen H

Building a fairer housing market

© Imagine Mortgages Limited 2023

Gen H ® is the trading name of Imagine Mortgages Ltd, a company registered in England and Wales. Company registration number: 11465987.

Authorised and regulated by the Financial Conduct Authority.

Our Financial Services Register number is 921355.

07723 954895

[email protected]

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