Mortgages for retail and hospitality workers
Mortgages for retail and hospitality workers
Retail and hospitality workers often have variable shifts, part-time hours, tips or service charge. Tony helps you understand how lenders may view your income and compares options from over 100 lenders.
Talk to TonyAt a glance
- Advice for retail and hospitality workers
- Access to 100+ lenders and around 28,000 deals
- Rated 5.0 from 235+ Google reviews
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How Tony can help retail and hospitality workers
Shift patterns, part-time hours and tips can all affect how lenders see your income. Tony helps you present it clearly.
What lenders may look at
- Employed applicants are usually asked for recent payslips, a P60 and employer details.
- Part-time income is usually assessed on what you actually earn.
- Some lenders may count regular tips or service charge.
- Zero-hours income is often assessed using a track record.
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
Retail and hospitality workers mortgage questions
Can I get a mortgage on part-time hours?
Possibly. Some lenders will consider part-time income, and affordability depends on your circumstances. Tony can search for the lenders that fit.
Do lenders count tips and service charge?
Some lenders may count regular tips or service charge where you can show them on payslips. Each lender has its own rules.
I am on a zero-hours contract. Does that rule me out?
Not necessarily. Some lenders will consider zero-hours income, often with a track record. Criteria vary.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The amount depends on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will explain this before you commit.
Can you help with protection as well as a mortgage?
Yes. Tony can also advise on life insurance, critical illness cover and income protection alongside your mortgage.
Related pages
More advice for people in similar situations.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
Talk to Tony