Mortgages For Zero Hours Contract Workers

12 January 2022

If you are employed on a zero hour contract then here is everything you need to know about getting a mortgage.

Will a mortgage lender accept my zero hours income?

Zero hour contracts are becoming more popular with employers because it provides them with a dynamic work force. Mortgage lenders are beginning to recognise this and are slowly gaining confidence with lending to zero hours workers. A number of lenders will now accept home buyers on zero hour contracts.

What is the basic criteria?

Most lenders require that you have worked for the same employer for the previous 12 months with no employment gaps. The lender wants to see that your work is regular and available.

Do I need a bigger deposit?

Some lenders restrict mortgages for zero hour workers and require a minimum 15% deposit. Ask your mortgage broker to find out how much deposit you will need.

How do I get a quote for a mortgage with a lender that accepts zero hours workers?

Simply start here and your dedicated broker will contact you shortly to give you full advice:

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What we don’t do:

Pay your mortgage – if you do not keep up on your mortgage repayments, your home may be repossessed.
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