If you’re working on a zero-hour contract, getting a mortgage can seem daunting. Traditional lenders often shy away from non-standard income sources, but that doesn’t mean you’re out of options. We work with specialist lenders who understand the unique challenges faced by people on zero-hour contracts, offering mortgage solutions that suit your financial situation.
Challenges of Zero-Hour Contracts: Zero-hour contracts offer flexibility but can also mean income varies from month to month. Traditional mortgage lenders may hesitate to approve applications with inconsistent income patterns, but with the right lender, it’s possible to get a mortgage that works for you.
Key Features:
- Flexible lending criteria: Lenders who look at your average income over time, rather than requiring a guaranteed monthly salary.
- Tailored mortgage options: Solutions designed to accommodate irregular income patterns.
- Support for various industries: Whether you work in retail, hospitality, health care, or other sectors, we can help.
What You’ll Need:
- Average income over the past 12-24 months, typically shown through payslips or bank statements.
- Evidence of consistent work history on a zero-hour contract.
- A solid deposit, which may help demonstrate financial stability.
Why Work with Us? We understand that zero-hour contract workers deserve the same access to homeownership as anyone else. We connect you with lenders who take a flexible approach to assessing income, so you can secure a mortgage that fits your life and financial situation.