Which UK Lenders Lend on Zero-Hours Contracts?
More UK lenders now consider zero-hours contract workers than applicants expect — particularly NHS bank staff, teaching assistants, and care workers. The typical requirement is 6-12 months of consistent earnings at the current employer.
Data refreshed 2026-04-22. Information only — not advice.
Your situation
High Street Lenders
- Bank of Ireland— Up to 95% LTV, min 24 months history
- Barclays— Up to 95% LTV
- Clydesdale Bank— Up to 95% LTV, min 24 months history
- Halifax— Up to 95% LTV, min 12 months history
- HSBC— Up to 95% LTV, min 12 months history
- Nationwide— Up to 95% LTV, min 12 months history
- NatWest— Up to 95% LTV, min 12 months history
- Santander— Up to 95% LTV, min 12 months history
- Virgin Money— Up to 95% LTV, min 24 months history
Building Societies
- Accord Mortgages— Up to 99% LTV, min 12 months history
- Bath Building Society— Up to 95% LTV, min 36 months history
- Beverley Building Society— Up to 95% LTV, min 12 months history
- Buckinghamshire Building Society— Up to 90% LTV, min 12 months history
- Chorley Building Society— Up to 95% LTV, min 24 months history
- Coventry Building Society— Up to 95% LTV, min 12 months history
- Cumberland Building Society— Up to 95% LTV, min 12 months history
- Darlington Building Society— Up to 95% LTV, min 12 months history
- Dudley Building Society— Up to 90% LTV
- Earl Shilton Building Society— Up to 95% LTV, min 24 months history
- Ecology Building Society— min 24 months history
- Family Building Society— Up to 80% LTV, min 24 months history
- Godiva Mortgages— Up to 95% LTV, min 12 months history
- Hanley Economic Building Society— Up to 95% LTV, min 12 months history
- Harpenden BS— Up to 80% LTV, min 24 months history
- Hinckley & Rugby Building Society— Up to 95% LTV, min 12 months history
- Leek Building Society— Up to 95% LTV, min 24 months history
- Loughborough Building Society— Up to 95% LTV, min 6 months history
- Mansfield Building Society— Up to 95% LTV, min 12 months history
- Market Harborough Building Society— Up to 80% LTV, min 12 months history
- Monmouthshire Building Society— Up to 95% LTV, min 24 months history
- Newcastle Building Society— Up to 95% LTV, min 24 months history
- Nottingham Building Society— Up to 95% LTV, min 12 months history
- Principality Building Society— Up to 95% LTV, min 12 months history
- Saffron Building Society— Up to 95% LTV, min 12 months history
- Skipton Building Society— Up to 100% LTV, min 12 months history
- Stafford Railway Building Society— Up to 95% LTV, min 24 months history
- Suffolk Building Society— Up to 95% LTV, min 18 months history
- Teachers Building Society— Up to 95% LTV, min 12 months history
- The Melton Building Society— See lender criteria
- Tipton & Coseley Building Society— Up to 95% LTV, min 12 months history
- Vernon Building Society— Up to 95% LTV, min 12 months history
- West Bromwich Building Society— Up to 95% LTV, min 12 months history
Specialist Lenders
- Aldermore— Up to 95% LTV, min 12 months history
- Atom Bank— Up to 95% LTV, min 24 months history
- Bluestone Mortgages— Up to 90% LTV, min 12 months history
- BM Solutions— Up to 80% LTV, min 12 months history
- Generation Home— Up to 95% LTV, min 12 months history
- Hodge Bank— Up to 95% LTV
- LendInvest— Up to 90% LTV, min 12 months history
- Norton Home Loans— Up to 80% LTV, min 2 months history
- Perenna— Up to 95% LTV, min 12 months history
- Precise Mortgages— Up to 95% LTV, min 6 months history
- Together— min 6 months history
- West One Loans— Up to 97.5% LTV, min 12 months history
Why some lenders say no
- Some lenders require 12+ months at the current employer; specialists go down to 6.
- Lenders typically use an averaged figure over 3-12 months, not peak months.
- A handful of lenders treat zero-hours earnings at 60-75% of face value for affordability.
Related reading: Which lenders accept overtime, bonus & commission · Why your DIP came in lower than expected
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Run My Affordability CheckFrequently asked questions
How do lenders calculate my income?
Most use an average of the last 3-12 months of payslips. Some use a 60-75% weighting on the averaged figure as an extra safety margin.
Does NHS bank work count as zero-hours?
Usually yes. NHS bank, supply teaching, and locum work are treated as zero-hours by most lenders and accepted on the same 6-12 month history rule.
Do I need a contract?
Yes — you need a written zero-hours contract from your employer. Payslips alone are not enough for most lenders.
Can I combine zero-hours with a permanent job?
Yes. Most lenders will use 100% of your permanent salary plus the averaged zero-hours supplement as your gross income.
