Mortgages for agency workers

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Can I get a mortgage as an agency worker?

Yes, you can get a mortgage as an agency worker! Agency work can be a great option for many people – offering flexibility to work when and as much as you like, as well as working in many different environments. But getting a mortgage can be more difficult than someone in full-time employment. But you still have options that our specialist mortgage brokers can explore for you.

As an agency worker, your income isn’t as predictable as someone on a 9-5 with a single company. Sometimes it might change month to month, but this shouldn’t mean that you can’t get on the property ladder. Often, agency workers earn MORE money than if they were on a salary, which should mean you’re more attractive to mortgage lenders. But a lot of mortgage lenders just aren’t set up to deal with complex incomes. 

But not all lenders! There are specialist mortgage lenders out there who understand freelancing and are willing to grant a mortgage to people who work in this way. Most of the specialist lenders only work with mortgage brokers, that’s why it’s a great idea to work with a specialist broker who understands your situation. Someone who does this day in, day out and knows the right lenders and mortgages suitable for you. Make an enquiry to get matched with a broker who can help you.

Got questions?

Why do agency workers often find it difficult to get a mortgage?

Can I get a mortgage if I’m on a fixed-term contract through an agency?

What factors impact my ability to get a mortgage as an agency worker?

What proof of income do I need as an agency worker?

How does bad credit affect my chances of getting a mortgage if I’m also an agency worker?

What’s the difference between an agency worker and a contractor?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

We only get paid when your mortgage is approved.

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Our Guides

Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

Get connected to a specialist self employment mortgage broker who can make a mortgage possible for you.

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