Can I get a mortgage on a zero hours contract?
General information only. This is not financial advice.
Last reviewed: 2026-06-06
Can I get a mortgage on a zero hours contract?
Yes, though not all lenders accept this type of employment. Zero hours income is variable — hours and pay fluctuate — which standard affordability models find difficult. Specialist lenders and some building societies will consider zero hours workers if you have at least 12 months of employment history with the same employer and can demonstrate consistent earnings over that period.
Do mortgage lenders accept zero hours contract income?
Some do. High-street banks typically favour stable, permanent employment. A number of building societies and specialist lenders will accept zero hours income if you have 12 months of continuous employment with the same employer. Your income is usually averaged over 12 months using payslips and your most recent P60 — the more consistent your earnings, the stronger your case.
How long do I need to be on a zero hours contract before applying for a mortgage?
Most lenders require at least 12 months of continuous employment on your zero hours contract. Some require up to 24 months. A small number of lenders may consider shorter periods if your earnings are consistent and a specialist broker has matched you to the right product. The longer and more consistent your employment history, the more options you will have.
How is zero hours income calculated for a mortgage?
Lenders typically average your income over the past 12 months using payslips and your P60. If earnings have been rising, some lenders will use recent months only to reflect your current earning level. If earnings are declining, lenders tend to take a more conservative view. A broker can advise which lender's calculation method will produce the most favourable result for your specific income pattern.
What documents do I need for a zero hours mortgage application?
You will typically need: three to six months of payslips; your most recent P60; three months of bank statements; a letter from your employer confirming your zero hours contract and length of service; and proof of address. If you have secondary income from other employment or benefits, documentation for those sources will also be required.
Can I get a shared ownership or Help to Buy mortgage on a zero hours contract?
Yes, in principle. Shared ownership and Help to Buy eligibility criteria focus on income thresholds and first-time buyer status rather than employment type. However, the mortgage lender will still apply their own zero hours income assessment rules — typically the same 12-month employment history and income averaging approach. Using a broker experienced with zero hours applicants is advisable here.
Risk warning
Your home may be repossessed if you do not keep up repayments on your mortgage.
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