Zero-hour contract mortgages

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illustration of Zero Hour Contracts

Can I get a mortgage on a zero hours contract?

Yes, you can. A lot of lenders won’t consider you if you’re on a zero-hours contract, but there’s plenty of specialist lenders who will. The issue a lot of lenders have is that they like to see a consistent stable income. Sometimes that’s not possible if you work on a zero-hours contract. So if they can’t see what they want, they’ll refuse you. Which obviously isn’t fair. 

But because zero-hours contracts are becoming more common and popular, more and more lenders are adapting their lending criteria to consider them. Which is great news. But finding the right lender can still be a challenge. That’s where we come in.

What is a zero-hours contract?

How do mortgage lenders view zero-hour contracts?

Do all lenders offer mortgages to people on zero-hour contracts?

What deposit do I need to get a mortgage on a zero-hour contract?

Can I get a mortgage on a zero-hour contract if I also have bad credit?

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.

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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.

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Speak to a real person

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

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Your success is our success

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.

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Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

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Ben Patten

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Luke Grosse

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Sarah Earnshaw

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Yogesh Parekh

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Jemma Talliss

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Paul Clark

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Lynn Cutts

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Steve Hatton

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Jeanette Clark

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Carrie Knight

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Jonathan Hunting

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