Spoiler alert: Yes, you can!
Let’s face it—being an agency worker comes with its perks and challenges. Sure, your income might look different month-to-month, but that doesn’t mean you can’t buy a home. In fact, many agency workers earn more than they would on a regular salary. So why does getting a mortgage sometimes feel like a hurdle?
The truth is, some mortgage lenders aren’t sure what to make of your fluctuating income. They see unpredictability and feel uneasy. But here’s the good news: there are plenty of specialist lenders who get it. They know that agency work doesn’t mean “unstable”—and our team knows exactly how to connect you with them.
Ready to take the first step? Make an enquiry, and one of our friendly Mortgage Advisors will guide you through the process.
Let’s break it down: lenders are all about minimising risk. To them, a steady income equals a lower chance of missed payments. But as an agency worker, your income might not fit neatly into their boxes.
That’s where things get tricky—especially when lenders ask for 12 months of consistent income records. But don’t worry. This doesn’t mean it’s impossible. It just means you’ll want someone in your corner who knows how to navigate this.
Good news: you can get a mortgage on a fixed-term agency contract!
The process might take a little extra effort, but it’s totally doable. Some industries—like teaching or medicine—are considered lower risk, so lenders might be more open to fixed-term contracts in those fields.
If you’re in a different sector, don’t let that discourage you. With the right approach (and a bit of expert help), you’ve got a great shot at success.
Here are a few ways to stand out to lenders:
Bad credit? Don’t panic—it’s still possible to get a mortgage as an agency worker.
Lenders will look at your credit history and overall financial situation. While a few missed payments in the past won’t necessarily hold you back, bigger issues like bankruptcy might make things tougher.
The key is working with a specialist broker who knows which lenders are more flexible. Together, we’ll find a way forward.
You might hear these terms used interchangeably, but they’re not quite the same.
The good news? Whether you’re an agency worker, contractor, or something in between, there’s likely a mortgage solution for you.
The path to homeownership might feel a little different when you’re an agency worker, but it’s not out of reach. With the right plan, the right lender, and the right team behind you, you’re well on your way.
So, what’s stopping you? Let’s chat and find the mortgage that works for you.
If you have questions about getting a mortgage with an adverse credit score, read our FAQs. Our wealth of knowledge within this market means that we’re confident in our ability to offer specialist mortgage advice and secure the mortgage you want regardless of your credit history.
Yes. Many lenders consider self-employed agency workers for mortgages. Your income is assessed based on your contracts, pay slips, and sometimes your historic earnings, rather than just a fixed salary. Specialist lenders are often more flexible for this type of employment.
Lenders typically review your contracts, invoices, and bank statements to verify income and affordability. Some may also consider your employment history and average weekly or monthly earnings to determine eligibility.
You usually need:
While some high-street lenders may have stricter criteria, specialist lenders cater to agency workers and can offer competitive rates. Using a mortgage broker familiar with agency income increases your chances of approval and better deals.
Yes, it’s possible. Lenders may accept applications with shorter work histories, especially if you have previous experience in the same field or can demonstrate stable income. A broker can match you with lenders who understand agency-based income.
