1. Why choose Jones & Young for a CIS mortgage?
Best fit in this shortlist: CIS subcontractors with strong gross earnings and a lower profit figure on their tax return.
Jones & Young’s strongest evidence is a completed mortgage for a CIS first-time buyer who had been self-employed for less than 12 months. The firm arranged a 95% LTV Halifax mortgage using three months of income proof. That is particularly relevant if you have experience in your trade but a short self-employed history.
Based in Petersfield and serving clients across the UK, the business was established by Mark Jones and Richard Young in February 2021. Mark focuses on self-employed and CIS applicants. Both founders are CeMAP qualified, according to the firm. Meet the founders; view the company record.
What does Jones & Young do differently for CIS income?
The starting point is the gross pay shown on CIS statements. Jones & Young assesses whether an applicant can use those statements as income evidence instead of relying solely on the profit left after business expenses on a tax return.
The firm describes routes using two to three months of CIS statements alongside two years’ experience in the trade. The lender determines the evidence period and how earnings are assessed; three months were used in the completed Halifax case below.
The firm reports a panel of around 90 lenders, with 10 to 15 used regularly. The useful question is which of those lenders can assess your particular income, rather than the size of the panel alone.
You can discuss that assessment through Jones & Young’s CIS mortgage advice service.
What completed CIS cases support the recommendation?
The first-time buyer case gives a clear account of the borrowing and the evidence used:
| Case detail | Completed outcome supplied by Jones & Young |
|---|---|
| Buyer | First-time buyer paid through CIS |
| Self-employed history | Less than 12 months |
| Property price | £310,000 |
| Mortgage | £294,500 with Halifax |
| Loan-to-value | 95% |
| Purchase deposit | £15,500, excluding other buying costs |
| Income evidence | Three months of proof, assessed using gross CIS vouchers |
The useful distinction is between time spent self-employed and experience in the trade. In this case, less than a year of self-employment did not rule out a mortgage assessed using recent CIS payments.
The firm also supplied separate cases for a roofer and an asbestos-removal specialist. The firm reports that each had healthy gross pay but a relatively small tax-return figure. Their cases were placed with high-street lenders using two to three gross remittance slips each, without changing their tax positions.
Source: Jones & Young’s client-approved September 2026 case information. Outcomes relate to individual borrowers and are not current offers or a guarantee of eligibility.
Does that mean changing what you claim as business expenses?
The firm reports that these CIS clients kept their existing tax positions. Their mortgage assessments used gross CIS payment evidence rather than requiring a higher tax-return profit. Your accountant should advise on legitimate business expenses; the broker should explain which income evidence the proposed lender accepts.
Can it also help limited company directors?
Yes. Jones & Young also supplied completed director cases involving salary and retained business profit. These use different income rules from CIS applications. The Jones & Young profile gives the details.
What is the firm’s track record?
Jones & Young reports around 350 mortgage cases a year and more than 1,000 clients helped across its business. Those totals cover its wider mortgage work, not CIS cases alone. The founders have more than 30 years of combined experience; the company itself was incorporated in 2021.
Its supplied September 2026 review record is 78 Google reviews, all five stars. A CIS-related review from Natalia describes the practical result:
“I was looking for an experienced broker who would be able to help secure a mortgage for a CIS worker. While other brokers said no, or took their time to book us in, Richard and his team guided us through the entire process and made it feel like a piece of cake. Today, we received the keys to our new home!”
Natalia, Google review, reproduced from the client-approved fact pack. A CIS-related review from Natalia is also displayed on the firm’s CIS service page.
Reasons to consider Jones & Young
- A completed 95% LTV case for a CIS first-time buyer with a short self-employed history.
- Examples involving a roofer and an asbestos-removal specialist using gross remittance slips.
- A named co-founder, Mark Jones, whose focus includes CIS and self-employed borrowers.
Ask before applying: Can the proposed lender use your latest statements, and does your experience in the trade meet its requirements?
Read the Jones & Young business profile for its contact details and wider services.
