Zero hour contract mortgages

Helping those on temporary contracts


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Getting a mortgage with a zero hours contract

There has been much talk in recent years of the struggles faced by those on zero hours contracts, not least the challenges they can encounter when trying to secure a mortgage or remortgage deal.

Most lenders need to see evidence of a stable source of income, before they will consider a mortgage application. But, because zero hours workers are never guaranteed a minimum number of hours per week or month, and are only paid for the hours they work, they are often looked upon less favourably by mortgage providers.

It is harder to get a zero hours contract mortgage, but it’s certainly not impossible. It all comes down to finding a provider with more flexible lending criteria. This is where CLS Money can help.

After reviewing your current zero hours contract, assessing your working history and working out how much you can afford to borrow for your new property, we’ll approach the best possible lender with your case. We’ve worked with many zero hours workers in the past, so we know which companies are likely to provide zero hour contract mortgages, which ultimately increases the chances of your offer being accepted, especially when you let our advisors manage the application on your behalf.

Once the lender has confirmed that they are happy to lend to you, we’ll also work with all the relevant parties, to make sure your application goes through quickly and efficiently.

Contact our team today to learn about the various mortgage options available for zero hours workers.

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