Electrical Subcontractor with a LTD Company?

If you're a self-employed electrician set up as a limited company and you're also paid via CIS, you might be wondering whether that makes getting a mortgage more complicated.

Here's how it works.

As a limited company director, your accountant likely gives you a small salary and draws the rest as dividends. That's the standard tax-efficient structure.

But if you're also getting paid through CIS directly into your company, some lenders will still allow us to use those gross CIS statement figures.

That means you can be tax efficient AND still get the mortgage you deserve, based on what you actually earn.

It's a powerful combination. You're keeping more of your money through the limited company structure, and the right lender will still recognise your real earning power.

The key is making sure your broker knows exactly how your income is structured from day one.

Because the wrong lender, or an inexperienced broker, might assess you purely on the salary and dividends you're drawing, which could significantly reduce what you can borrow.

This is exactly where specialist advice makes a real difference.

If you want to explore what options may be available to you, click the link in my profile and book in for a fee-free mortgage discovery call.

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