Yes — but expect more checks. While many lenders are cautious, some will consider your application if you can show consistent income over 6–12 months, even on variable hours.
📊 What Lenders Want to See
- 12 months of consistent income preferred
- Payslips showing regular hours and pay
- A history of renewed or ongoing contracts
- Sometimes a letter from your employer helps
💬 Do All Lenders Accept Zero Hour Contracts?
No — but specialist lenders do. Many high street banks are risk-averse, but brokers can access lenders who look at your full income picture.
🧠 Tips for Improving Your Odds
- Provide bank statements alongside payslips
- Keep a record of all contracts and renewals
- Consider a joint application to strengthen your case
- Save a larger deposit if possible
💬 On a Zero Hour Contract? Let’s Find Lenders Who’ll Listen
Your contract doesn’t have to hold you back. I’ll help you find flexible lenders who understand how modern work looks — and still say yes.
✅ Accepted by specialist lenders
✅ Help with applications & income proof
✅ Honest advice on where you stand