Best Mortgage Lenders for Zero-Hour Contracts in the UK (2025 Update)

Zero-hour contracts mean your employer isn't obliged to provide minimum working hours, which results in fluctuating income. Traditional lenders often hesitate, but specialist lenders understand how to assess flexible income realistically, focusing on consistency rather than guaranteed hours. If you're not sure where to begin, start with our complete guide to zero-hour contract mortgages.

What Do Lenders Look For?

Mortgage lenders typically require:

• 6–12 months consistent employment history on a zero-hour contract
• Regular payslips and bank statements proving consistent income
• Minimal employment gaps
• Good credit history (though some lenders accept bad credit with stricter criteria)
• At least 5–10% deposit, though some may require higher

Understanding these criteria upfront significantly improves your chances of approval.

Mortgage Readiness Checklist for Zero-Hour Contract Applicants

Before you apply, make sure you have the following ready:

Proof of Income

• At least 6–12 months of payslips
• Recent P60 form (if available)
• Last 3–6 months of bank statements showing income deposits

Employment Stability

• Confirmation of ongoing work (even without fixed hours)
• Letter from employer (optional but useful)
• Minimal gaps in employment history

Financial Profile

• Up-to-date credit report (check via Experian, Equifax or Credit Karma)
• Evidence of savings and emergency funds
• List of current debts or financial obligations

Deposit Ready

• Minimum 5–10% deposit saved
• Documentation of where your deposit came from (e.g. savings, gift)

Documents

• Valid ID (passport or driving licence)
• Proof of address (utility bill, council tax, etc.)
• National Insurance number

Optional Enhancers

• Guarantor (if available)
• Joint application with a partner in traditional employment
• Track record of rent payments (especially helpful if you're a first-time buyer)

Frequently Asked Questions (FAQs)

Can I get a mortgage on a zero-hour contract with bad credit?

Yes, it's possible, though your options might be more limited. Some specialist lenders accept applications from those with bad credit, especially if you've shown improved financial habits recently. You'll typically need a larger deposit and clear evidence of stable income.

How long do I need to have a zero-hour contract before applying?

Most lenders prefer at least 6–12 months of continuous employment on a zero-hour contract. The longer your work history, the better your chances of approval.

Do I need a higher deposit with a zero-hour contract mortgage?

Typically, lenders require a 5–10% deposit. However, some may ask for a higher deposit (up to 15–25%), especially if they perceive your employment situation as higher risk.

Will a zero-hour contract mortgage have higher interest rates?

Not necessarily. While some specialist lenders may offer slightly higher interest rates, many mainstream lenders offer competitive rates if you meet their standard criteria. Shopping around with the help of an expert broker can help secure the best possible deal.

How Mortgage Broker Near Me Can Help

Securing a mortgage with a zero-hour contract doesn’t need to be stressful. Our expert advisors specialise in placing clients with non-traditional income streams:

• We match you with the right lender from our 51+ database
• We clearly position your application, ensuring lenders see consistency rather than contract type
• Free initial consultation without credit checks

If you're on a zero-hour contract and want clear, expert advice, get in touch with Mortgage Broker Near Me today. We're here to help you unlock your homeownership dreams.