Who We Help / CIS Workers & Contractors
Financial advice designed for contractors, CIS workers, and flexible income professionals
Helping contractors and construction professionals navigate mortgages, financial planning, protection, and long-term wealth building with confidence.
Working on contracts can provide flexibility, independence, and strong earning potential.
It can also create challenges when lenders, providers, and financial institutions do not fully understand how your income works.
At Roxton Wealth, we specialise in helping contractors and CIS workers access financial solutions designed around the reality of their careers.
Income typesCIS, day rate, umbrella, PAYE/LTD
Common issueLenders underassessing income
Key advice areasMortgages, pension, protection
ApproachRight lender, right presentation
Common concerns include:
• Can I get a mortgage as a contractor?
• How will lenders assess my income?
• What happens between contracts?
• How do I protect my income?
• How should I save for retirement?
• Am I building long-term wealth effectively?
At Roxton Wealth, we understand that traditional financial planning does not always reflect modern working arrangements.
Our advice is designed around how you actually earn, work, and plan for the future.
However, it can also mean:
• Irregular income patterns
• Gaps between contracts
• Complex mortgage applications
• Greater responsibility for retirement planning
• No employer benefits or sick pay
• Managing business and personal finances simultaneously
We help contractors create financial stability around these variables so they can focus on their careers.
Contractor Mortgages
Helping contractors secure property finance with confidence
One of the biggest misconceptions is that contractors struggle to obtain mortgages.
In reality, many lenders actively lend to contractors and CIS workers.
We regularly help:
• IT Contractors
• Engineering Contractors
• Construction Professionals
• Project Managers
• Interim Consultants
• Freelance Specialists
The key is understanding:
• Which lenders are suitable
• How contract income is assessed
• How day rates are interpreted
• What documentation is required
• How to structure an application effectively
We help clients create structure around:
• Emergency reserves
• Investment planning
• Pension planning
• Cashflow management
• Wealth accumulation
• Retirement goals
Because financial confidence comes from preparation, not prediction.
We help clients understand solutions that may support financial resilience if illness, injury, or unexpected circumstances affect their ability to earn.
Because your income often supports much more than your lifestyle.
It supports your family, future plans, and financial goals.
Who We Work With
Contractors and CIS workers we commonly help
Engineering Contractors
IT Contractors
Project Managers
Interim Executives
Freelance Consultants
Self-Employed Tradespeople
Specialist Technical Contractors
They value:
• Specialist contractor mortgage expertise
• Clear communication
• Personalised planning
• Protection guidance
• Long-term wealth planning
• Joined-up financial advice
Because your financial plan should adapt to the way you work.
Build financial confidence around your contracting career
Whether you are securing a mortgage, protecting your income, planning for retirement, or building long-term wealth, we are here to help.