Zero Hours Contract Mortgages
Specialist mortgages for zero hours workers with variable income and flexible employment patterns
Content reviewed: 13 January 2026
Can you get a mortgage on a zero hours contract?
Yes, specialist lenders offer mortgages to zero hours workers with 12-24 months of consistent income history. Lenders average your earnings over 12-24 months and may require employer references confirming ongoing work availability. Multiple zero hours jobs can be combined. Larger deposits (15-25%) improve approval chances significantly.
Can zero hours workers get a mortgage?
Yes, mortgages are available for zero hours contract workers. Lenders average your income over 12-24 months of consistent work history. A larger deposit of 15-25% helps approval chances. Your Home Finance knows which lenders are flexible with zero hours income.
Key Benefits
How specialist lenders make mortgages possible for zero hours workers
Work with lenders who understand zero hours and variable income employment patterns
Use proven income averaging over 12-24 months to demonstrate affordability
Combine zero hours with other part-time or self-employed income for stronger applications
Build mortgage eligibility through consistent work history with the same employer or sector
Expert Tips & Insights
Everything zero hours workers need to know about getting a mortgage
Frequently Asked Questions
Get answers to common zero hours contract mortgage questions
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