Zero hour contract mortgage advice

Specialist lenders for workers with temporary contracts

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Getting a mortgage with a zero hours contract

There has been a lot of talk in recent years regarding the struggles faced by those on zero-hours contracts, especially the challenges they can encounter when trying to secure a mortgage or remortgage deal.

Most mortgage lenders need to see extensive 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. Even if they've been with the same employer for years, some zero hours contract workers will still find it hard to get a mortgage.

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.

The two things that will help you secure a mortgage when it comes to a zero hour contract are knowledge and options. Our knowledge comes from reviewing your situation, including your current zero hours contract, working history and details surrounding credit or anything else that might be relevant. The information gathered allows us to carry out a search against the whole of the UK mortgage market, this is where we have options. This extensive market research will provide us with a list of specialist lenders that can accept your specific situation.

We’ll approach the best possible lender with your case. Because we’ve worked with many zero hours workers in the past, 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.

We will put together a strong application to present to the lender. They will be more likely to accept your zero hour application this was, as opposed to declining your case just from the face value as it is not backed with documents and figures to help persuade an underwriter that you are a great client to lend to.

Once our specialist lender confirms the mortgage approval and that they are happy to lend to you, we’ll 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. We aren't just experts in zero hour contract mortgages; we offer financial advice for buyers with adverse credit or a poor credit file, buyers looking for a more favourable fixed term contract, buy to let mortgage applicants, or anyone simply hoping to find monthly repayments with lower interest rates. Whatever you're looking for, we partner with mortgage lenders for every eventuality.

How it works

3 simple steps to securing a mortgage with CLS Money

  • Enquire

    Complete our quick and easy form to see the available mortgage products that suit you

  • Apply

    We will handle all the necessary paperwork and manage your entire mortgage application

  • Complete

    Start enjoying the benefits of your new mortgage

Quickly see how likely you are to be ACCEPTED FOR A MORTGAGE before you apply

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6 reasons to choose CLS Money

  • Mortgages that suit you

    Mortgages that suit you

    No matter your circumstances, we are here to get the right mortgage for you.

  • Appointments at your convenience

    Appointments at your convenience

    We can meet you seven days a week from 8am to 8pm at a place that suits you, whether it be at your home, place of work or our offices.

  • Free of charge, no obligation advice

    Free of charge, no obligation advice

    Our advice is completely free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend

  • At your side

    At your side

    We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience

  • With you all the way

    With you all the way

    As a responsible broker, we want your mortgage to always be the best fit for you. So when it's time to review it, we will be here to help.

  • Protecting what matters most

    Protecting what matters most

    We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.

Download the CLS Money App for FREE now

Track the progress of your mortgage application via our App and much more

  • Instantly message the team and keep up to date with your application
  • Upload and share documents for quicker decisions
  • Verify yourself faster with advance biometrics for proving your identity
  • Sign documents immediately on your smartphone
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