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.
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.
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.
No robots, no automated answers. We use technology to connect you to a real person. Not replace them.
We only get paid when your mortgage is approved.