If you’re on a zero hours contract and wondering whether homeownership is within reach, you’re not alone. I speak to lots of clients in exactly this position, and the good news is that getting a mortgage on a zero hours contract is possible. It just takes the right approach, the right documentation, and the right lender.
In a short video, I talk through the key things to consider if you’re applying for a mortgage with this kind of employment setup. You can watch it here, but here’s a quick summary of what you need to know.
Lenders Want Stability – Even If Hours Vary
Being on a zero hours contract doesn’t automatically mean you’re high risk. What lenders really want to see is stability of income. If you’ve been working consistently for the same employer or in the same role over a period of time, and can prove regular earnings, that counts for a lot.
Typically, lenders will want to see at least 12 months of income history. They may ask for payslips, P60s, or bank statements to understand what you’re earning on average each month. Some will also ask how long you’ve been in the role and whether there’s a strong likelihood of continued work.
It Helps to Be Prepared
If you’re on a zero hours contract, preparation is key. I always recommend:
- Keeping records of your income – payslips and bank statements are essential
- Avoiding long gaps in work where possible
- Staying with the same employer, if you can, to show consistency
- Checking your credit score to ensure everything is in good shape before applying
I’ll help you gather the right documents and present your case clearly to the most suitable lenders. Some lenders are more flexible and experienced in dealing with these types of applications, and I work with a wide panel to find the best match for your situation.
Is It More Difficult? Yes. Is It Impossible? No.
It’s true that some high street lenders are cautious when it comes to zero hours contracts. But there are others that understand how the modern world of work is changing – and they’ll look at your full picture, not just your job title.
If you’re also applying with a partner who has a salaried role, that can help strengthen your application too, but it’s not essential. I’ve helped plenty of people on zero hours contracts secure mortgages successfully in their own right.
Watch the Video
If you want a quick breakdown of what to expect, have a watch of my short video where I explain the essentials:
👉 Watch the video on YouTube
Need help navigating your mortgage options?
If you’re on a zero hours contract and unsure where to start, let’s have a chat. I’ll guide you through the process, help you gather the right paperwork, and work hard to find a mortgage that suits your situation.
It all starts with a conversation. Get in touch today to explore your options with expert support at every step.
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