Yes, you can get a Generation Home mortgage on a zero hours contract.

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.

Criteria details

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

Required documents

  • 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

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