Believe it or not, you can get a mortgage on a zero-hours contract! Many lenders will offer a mortgage to contractors who are on a zero-hours contract as long as they can prove their income over the last 12 months. A lender might also want to see evidence that the contract is likely to continue and that the income is expected to be sustained.
The big banks and mainstream mortgage lenders will probably turn you down, so you’ll need to apply to a specialist lender. Most of these specialist lenders aren’t available directly to you as a borrower, so you’ll need to work with a mortgage broker to find one. Make an enquiry to speak to a specialist zero-hours mortgage broker who can help you.