CIS mortgages are counted as a specialist area in the lending industry, and there are still many lenders who don't offer them. If you have bad credit, you will find the pool of available lenders gets even smaller. At Think Plutus, we have access to a number of specialist lenders, including those who will consider mortgages for CIS workers with bad credit. These lenders will assess on a case-by-case basis, and can even base their assessment on the gross figure on your CIS payslip.