If you’re paid through agency work or work as a locum — whether in healthcare, education, logistics, or another sector — you might worry about getting a mortgage. After all, you don’t have a traditional salary or permanent contract.
But here’s the good news: yes, it’s possible — and plenty of lenders are open to it.
💡 Do Lenders Accept Agency or Locum Income?
Yes — as long as you can show it’s consistent, reliable, and sustainable.
Most lenders will consider:
- Agency nurses, doctors, or healthcare workers
- Supply teachers
- Freelancers on regular contracts
- Contractors with ongoing bookings
- Zero-hours workers with a strong track record
📄 What Documents Will You Need?
To prove your income, lenders may ask for:
✅ 6–12 months of payslips
✅ A full year’s worth of agency income if it varies month to month
✅ Bank statements showing regular payments
✅ A contract or letter confirming ongoing work
If you’re registered as self-employed, SA302s and tax year overviews will also help.
🧠 What Are Lenders Looking For?
- Stability – do you work regularly?
- Consistency – is your income level fairly steady?
- Sustainability – is this type of work ongoing?
Some lenders will average your income over 12 months, while others might use your most recent payslips — especially if you’ve had a recent pay rise.
🔍 Can You Get a Mortgage While on a Zero-Hour Contract?
Yes — but only a few specialist lenders will accept it. You’ll need:
- A strong income history
- Proof you’ve been with the same agency or employer long-term
- Regular monthly hours/pay
💬 Agency or Locum Work? You’ve Still Got Mortgage Options
Being flexible or freelance doesn’t mean being left out. We’ll help you match with lenders who understand non-traditional income — and guide you through what to provide.
✅ Work with someone who understands your income
✅ Avoid high-street rejections
✅ Get support through every step