Mortgages for Zero-Hour Contract Workers - Bright Money Independent

Mortgages for Zero Hour Contract Workers

A Simple Guide from Bright Money Independent

Getting a mortgage when you’re on a zero-hour contract can feel overwhelming — especially if you’ve only been in the role for a few months. But the reality is: it’s absolutely possible, and at Bright Money Independent, we help people in this exact situation every day.

Whether you’ve just started a new job, have years of experience in your industry, or you’re looking to borrow later in life (even up to the age of 80 next birthday), there are lenders out there who want to help. You just need someone who knows where to look – and that’s us – Bright Money.

Zero-Hour Contracts: What’s the Challenge ?

Zero-hour contracts are incredibly common now in sectors like care, hospitality, retail, logistics, and construction. But because your hours aren’t guaranteed, some high-street lenders can find it difficult to assess your income.

That’s where specialist lenders — and specialist brokers — make all the difference.

Can You Get a Mortgage on a Zero-Hour Contract?

Yes, you can. And more lenders are opening their doors to zero-hour applicants.

Here’s what they typically look at:

How long you’ve been in the role – Some lenders want 12 months, but others are happy with as little as 3 months, especially if you can show strong industry experience.
Your experience in the industry – If you’ve worked in your field for years, lenders see this as a good sign your income is reliable.
Consistency of your hours – Even if hours vary, regular payslips help build a clear picture.
Your age – We work with lenders who consider applications up to age 80 next birthday, giving more flexibility for later-life borrowing.

So even if you’ve only recently started a zero-hour role, you’re not ruled out.

What Will You Need to Apply?

Lenders just want to understand your income pattern. In most cases, they’ll ask for:

3–12 months of payslips (varies by lender)
Bank statements (usually 3 months)
Employment contract confirming your zero-hour status
P60 (if you have one)
A quick outline of your industry experience

If your hours are consistent and your experience is strong, three months can often be enough.

How We Help at Bright Money Independent

We know the lenders who genuinely understand flexible working — and we know how to present your application in the strongest possible way.

Here’s what we do:

Match you with the right lender

Not all lenders are created equal. We target the ones who actively work with zero-hour applicants.

Make your income story clear

We highlight your industry experience, earning pattern, and job stability to give lenders confidence.

Keep the process simple

No jargon. No stress. Just clear communication from start to finish.

Help older clients too

Because we work with lenders who lend up to age 80 next birthday, later-life borrowing becomes much more accessible.

Why Industry Experience Matters So Much

Even if you’re only three months into your current role, years of experience in your field count for a lot. It shows lenders you’re in stable, ongoing work within a familiar industry.

For example:

A care worker with years in the sector but a recent job change
A chef or bar manager who’s moved to a new employer
A construction worker doing site-based work across multiple projects

Your experience is often just as important as your payslips.

Borrowing Up to Age 80 Next Birthday

One of our key strengths at Bright Money Independent is later-life lending.

We work with lenders who can consider:

Older applicants
Retirement Interest-Only (RIO) mortgages
Borrowing that extends to age 80 next birthday

This gives far more flexibility for people moving into part-time or flexible roles later in life.

🌟Why Choose Bright Money ?

At Bright Money, we specialise in helping real clients get the right funding for their property.

Here’s what sets us apart:

Direct access to lenders – we compare leading banks and specialist lenders on your behalf.
Personal service – one point of contact from enquiry to completion.
Transparent fees – no hidden costs, no jargon.
Experienced advisors – we’ve decades of internal mortgage experience that we’re ready to share with you.

FAQ

about
zero-hour
contract
mortgages

Can you get a mortgage on a zero-hour contract?

Yes. Many lenders will consider zero-hour contract workers, though criteria vary widely. Bright Money Independent works with lenders who accept flexible and irregular income, provided you can evidence consistency over time.

How much income history do I need for a zero-hour contract mortgage?

Most lenders want 12 months’ history, though some will consider 6 months if the work pattern is stable. A few specialist lenders may also average your income over the last 12–24 months.

Do all lenders accept zero-hour contract income?

No. High-street lenders can be cautious. However, several mainstream and specialist lenders do accept it. At Bright Money Independent we match you with lenders who understand flexible working patterns.

What documents will I need?

You will typically need:

Last 3–12 months’ payslips
A P60
Bank statements (usually 3 months)
Your employment contract
If paid weekly, some lenders may ask for more payslips

Ready to Get Started ?

If you're a Zero-Hour Contract Worker and would like to secure a new mortgage, or remortgage an existing property, Bright Money can help you secure the right deal fast.

Call us: 01844 390910

Email us: info@bmimoney.co.uk

Or use the form below and we'll be in touch.