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Mortgages For Agency Workers

Best Mortgage Rates

I Want To Buy I Want to Remortgage

Mortgages For Agency Workers

    • 3.84% Initial
    • 5 year fixed
    • 6.4% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 3.85% Initial
    • 5 year fixed
    • 6.7% APRC
    • Cashback Max £250
      Free Legals
      Free Valuation
    • Get quotes
    • 3.85% Initial
    • 5 year fixed
    • 6.7% APRC
    • Cashback Max £250
      Free Legals
      Free Valuation
    • Get quotes
    • 3.86% Initial
    • 5 year fixed
    • 6.7% APRC
    • Cashback Max £250
      Free Legals
      Free Valuation
    • Get quotes
    • 3.89% Initial
    • 5 year fixed
    • 5.9% APRC
    • Cashback Max £1,250
      Free Legals
      Free Valuation
    • Get quotes

Representative example based on a fixed rate mortgage

A mortgage of £375,000 payable over 20 years initially on a fixed rate for 5 years at 4.38% and then at the standard variable rate of 7.65% for the remaining 15 years would require 60 monthly payments of £2,351.88 and then 180 monthly payments of £2,899.55.

The total amount payable would be £663,156.80 which includes interest and product fees of £1,124.

The overall cost for comparison is 6.5% APRC representative.

Early repayment charges may apply.

Mortgages for Agency Workers

Our Mortgage Service for Agency Workers

We offer the following special features:

 In addition to working with the majority of UK lenders, we also work with lenders who will lend to agency workers based on their employment status. Access to loans that are not available on the high street.

We also have lenders who will take previous defaults and missed payments into account.

 We have access to a variety of financing options for agency workers in the UK.

As your mortgage is such an important transaction, good advice is imperative. 

Why are Mortgages for Agency Workers Harder to get?

As an agency worker, you may have a good income, but it can be challenging to prove it to a prospective mortgage provider due to the nature of most agency contracts.

In the UK there is well over 800,000 people who are classified as agency workers working under contracts typically ranging from 3 to 12 months.

For many mortgage lenders, the lack of permanency of monthly income beyond a set contract end date is an issue, which means that when it comes to looking to buy property, your options are limited. The good news is that as flexible working has become more of the norm in the UK there are a number of lenders who will look at your requirements and take a view.

What Proof of Income will be needed by a Mortgage Lender for an Agency Worker

You will need one year of employment as a minimum to be considered for a mortgage as an agency worker, and as such, you will need to be able to demonstrate monthly earnings through payslips and bank account statements. Different lenders will have different requirements on criteria. It is likely a reference will be needed from the agency you are working for to confirm your employment status.

Can I get a Mortgage as an Agency Worker?

It will depend on your circumstances, your income, credit status, track record as an agency worker, how much you wish to borrow. Agency worker mortgages are typically offered by specialist mortgage lenders who have different criteria for assessing whether they will lend. Contact us to see what is possible.

Independent Advice

If you are not sure what options are available to you as an agency worker,  speak to our independent mortgage broker team who will be able to offer impartial advice or you can call us on 0117 403 3464

Mortgages for Agency Workers Get a Bespoke Mortgage Quote
Mortgages for Agency Workers Get a Bespoke Mortgage Quote