Getting a mortgage on a zero-hour contract isn't always easy, but we're here to help. We work with a network of expert mortgage brokers who specialise in customers with complex income, and they've helped countless people get on the property ladder under these exact circumstances.\r\n\r\nIn our guide to zero-hour contract mortgages, you'll learn how mortgage lenders assess this income type, what your chances of getting a mortgage with it are, and where to find the advice you need.\r\n\r\nThe following topics are covered below...\r\n<ul>\r\n<li><a href="#can-you">Can you get a mortgage on a zero-hour contract?<\/a><\/li>\r\n \t<li><a href="#how-lenders-view-zero-hour">What mortgage lenders think of zero-hour contracts?<\/a><\/li>\r\n \t<li><a href="#zero-hour-deposit">Deposit \/ equity levels<\/a><\/li>\r\n \t<li><a href="#zero-hour-lenders">Zero hour contract lenders<\/a><\/li>\r\n \t<li><a href="#zero-hour-credit-history">Credit history<\/a><\/li>\r\n \t<li><a href="#btl-zero-hour">Buy-to-let mortgages and zero-hour contracts<\/a><\/li>\r\n<li><a href="#expert">Speak to an expert<\/a><\/li>\r\n<\/ul>\r\n[feefo-banner]\r\n<h2 id="can-you">Can you get a mortgage on a zero-hour contract?<\/h2>\r\nYes! Getting a mortgage on a zero-hour contract can be tricky depending on your situation, as many mortgage lenders require more stable income to approve applications. But the good news is that every lender is different in who they do and don\u2019t approve for a mortgage, and there are lenders happy to lend to people on zero-hours contracts.\r\n\r\nThese lenders can be difficult to find, and this means the chances of rejection or an unfavourable interest rate are high - but there's a quick and easy way to tip the odds of mortgage success in your favour: speak to a mortgage broker who specialises in people with complex income. They know exactly which lenders offer mortgages to zero-hour contract workers, and they can boost your chances of getting the best deal available,\r\n<h2 id="how-lenders-view-zero-hour">How mortgage lenders view zero-hour contracts<\/h2>\r\nPeople who work these contracts may be looked upon less favourably by mortgage lenders compared to someone on a permanent contract, as there\u2019s no guaranteed income. This could mean you\u2019re considered higher risk and potentially more likely to miss mortgage payments in future.\r\n\r\nThis means that some mortgage providers might not lend to you at all, while others may only offer you a higher interest rate and expect you to put down extra deposit.\r\n<h3>What are the key criteria mortgage lenders will look at?<\/h3>\r\nMortgage lenders will decide whether to consider you for finance based on their general eligibility criteria, along with the factors below related to your employment...\r\n<ul>\r\n \t<li><strong>How long you\u2019ve been in your current contract for:\r\n<\/strong>Most lenders require a minimum of 12 months working in the current position for most employment sectors.<\/li>\r\n \t<li><strong>Your experience prior to your current contract:<\/strong>\r\nIf you have been working in your industry for a long time, there may be lenders more willing to consider your application than if you have just started.<\/li>\r\n \t<li><strong>What sector\/role you\u2019re working in\r\n<\/strong>Those in certain professional positions such as doctors \/ nurses \/ barristers etc. may be approved with a shorter history than others.<\/li>\r\n<\/ul>\r\nSome mortgage lenders will never consider someone on a zero-hour contract, whilst others are happy to accept providing the applicant has a history of working on these contracts. It\u2019s all about finding the best lender for you, which is the job of the specialists we work with.\r\n\r\nIf you\u2019ve been declined on a Zero hour mortgage application, don\u2019t lose hope - there are brokers in our network who specialise in customers in this type of employment, and they can offer you bespoke advice, help you get the best rates and assist you with your paperwork.\r\n<h2 id="zero-hour-deposit">Deposit requirements for zero-hour contract mortgages<\/h2>\r\nIt\u2019s possible to be approved for a mortgage with just 5% deposit on a zero-hour contract, but this is only usually possible if every other aspect of your application is stellar or you're using a scheme such as Help to Buy. Most lenders who consider offering mortgages to zero-hour contract workers will, however, ask for at least 10% deposit.\r\n\r\nThat said, there are more factors than just your income type in deciding which mortgage lenders will consider your application. For instance, if you also have bad credit (read more about <a href="#zero-hour-credit-history">adverse credit mortgages in our standalone guide<\/a>), you may need 15% as a minimum, perhaps more, depending on the severity and how recent the issues are.\r\n<h2 id="zero-hour-lenders">Zero hour contract mortgage lenders<\/h2>\r\nThere is a whole range of lenders that may consider a zero-hours contract mortgage, all with different lending policy. If you have been declined by high street lenders such as Natwest or Nationwide then it doesn\u2019t mean there are no other options, as certain specialist lenders can have a more flexible policy. For example...\r\n<ul>\r\n \t<li>Leeds Building Society will lend if you can prove your income is sustainable over a 12-month period and can evidence it with a P60 and at least three months' wage slips<\/li>\r\n \t<li>United Trust Bank usually only considers zero-hour contract wage as a secondary income, but can potentially make exceptions on a case-by-case basis<\/li>\r\n \t<li>Norton Home Loans can lend if you have at least 12 months' employment history, but may consider borrowers with less on a case-by-case basis<\/li>\r\n \t<li>Atom Bank asks for at least 24 months' trading history from applicants on zero-hour contracts<\/li>\r\n<\/ul>\r\nTo establish the best mortgage lender and deals available to you, make an enquiry and we\u2019ll refer you to one of the specialist advisors who handle these applications every day. They have deep working relationships with lenders who offer mortgages to customers on zero-hour contracts and know exactly how to get the best rates for people just like you.\r\n<h2 id="zero-hour-credit-history">Get a mortgage with bad credit history and a zero-hour contract<\/h2>\r\nIf you have adverse credit, your mortgage options can be more restricted, but that doesn\u2019t mean there\u2019s no hope of approval! There might be lenders available depending on the age and severity of your bad credit, as well as the amount of deposit\/equity you have and the security of your employment.\r\n\r\nGenerally, the more deposit you have and the older the registration date of the credit issue, the more likely it is you\u2019ll be approved.\r\n\r\nThe type of credit issue can have a big impact. For example, a few late payments are easier to overlook than a recent bankruptcy or repossession, but some bad credit mortgage lenders also take the reason for the credit problem into account.\r\n\r\nYou can read more in our <a href="https:\/\/www.onlinemortgageadvisor.co.uk\/bad-credit-mortgages\/how-to-get-a-mortgage-with-bad-credit\/">guide to bad credit mortgages<\/a>.\r\n<h2 id="btl-zero-hour">Buy to let mortgages for zero-hour contract workers<\/h2>\r\nIf you\u2019re on a zero-hours contract and are either an experienced landlord or looking to buy your first buy-to-let (BTL) property, it can be tricky.\r\n\r\nSome lenders may require a minimum personal income through employment or self-employment, and assess this using a copy of your company accounts\/payslips\/contract etc.\r\n\r\nIf this is your first BTL property and you\u2019re on a zero-hour contract, the lending policy is likely to be much the same as for a residential mortgage, in that most BTL lenders would want to see a minimum of 12 months\u2019 income before they\u2019re happy to lend. That said, there are some specialist lenders that could consider lending if you have less than 12 months' income proof, so it\u2019s is worth making an enquiry to speak to a specialist to find out.\r\n\r\nIf you\u2019re an experienced landlord, however, it's more likely you could be approved, as often lending policy is more flexible and your personal income is less important \u2013 some buy-to-let mortgage lenders don\u2019t require proof of personal income at all, and others have no minimum requirement.\r\n\r\nYou can read more about this in our guide to <a href="https:\/\/www.onlinemortgageadvisor.co.uk\/buy-to-let-mortgages\/proving-income-for-buy-to-let-mortgages\/">proving income for buy-to-let mortgages<\/a>.\r\n<h2 id="expert">Speak to an expert<\/h2>\r\nIf you're applying for a mortgage on a zero-hour contract, seeking professional advice before you get started can be vital. It's more difficult to get approved and land the best rates with complex income, but the right mortgage broker can offset the risk and tip the odds in your favour.\r\n\r\nOur free broker-matching service will take your needs and circumstances into account and pair you with a hand-picked expert with the knowledge and experience you need. They can boost your chances of approval, help you get the best rates and guide you through your application.\r\n\r\nCall 0808 189 2301 or <a href="https:\/\/enquiries.onlinemortgageadvisor.co.uk\/income-types-advice\/">make an enquiry<\/a> and we'll arrange a free, no-obligation chat between you and a broker who specialises in zero-hour contract mortgages today.