Please keep in mind that we will need to see 12 months of contract history as well as your latest contract.
We need to establish a track record of employment. Any questions, please reach out to discuss your situation.
Income on zero hours contracts can be considered if the applicant has 12 months continuous employment within that role.
The applicant must have a minimum of a month remaining on their contract.
Cases with less than 12 months within the role may be considered if the applicant:
Has worked in a similar previous employment
Is working in a skilled or professional role
Latest 3 months' payslips
Access to Open Banking to show 12 months' continuous employment OR Contract evidencing 12 or more months' continuous employment
Copy of the applicant's current employment contract to confirm no end date
This list is not exhaustive and the documents requested are subject to underwriters review. Your mortgage advisor will be in touch to let you know if anything else is needed.