Mortgages for zero-hours, gig and delivery workers
Mortgages for zero-hours and gig workers
Zero-hours contracts, delivery driving and gig work are common, but many people assume they cannot get a mortgage. Tony helps zero-hours and gig workers compare mortgage options from over 100 lenders and explains what lenders may look for.
Talk to TonyAt a glance
- Advice for zero-hours, gig and delivery 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
Irregular hours do not always rule you out. The key is how your income is evidenced.
What lenders may look at
- For zero-hours work, lenders may want to see regular hours over 12 months or more.
- Gig and delivery work is often treated like self-employed income, with accounts or tax calculations.
- Having more than one source of income can help if each is well evidenced.
- A clean credit history and a good deposit can widen your options.
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.
Zero-hours and gig mortgage questions
Can I get a mortgage on a zero-hours contract?
Possibly. Some lenders will consider you if you can show a regular pattern of hours, often over a year or more. Tony can search for the lenders that fit.
Can delivery drivers get a mortgage?
Yes, it is possible. Drivers are often treated like self-employed workers, so lenders may ask for accounts or tax returns. Tony can advise on what you will need.
Does it matter if I work for more than one platform?
It can help if all income is clearly shown in your records. Tony can explain how lenders may assess it.
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