However, some lenders will require you to have a minimum salary too, typically £20,000-£25,000. And as a first time landlord on a zero hour contract, it's likely that you'll need to have been with your current employer for at least 12 months. Also, Buy-to-Let mortgages typically require a 15-25% deposit too.. Yes, it is possible to get a mortgage on a zero-hour contract. Admittedly, some lenders don't offer mortgages to zero-hour contract workers because they are worried they don't have a regular monthly income. But there are other lenders who do offer zero-hour contract mortgages. The key is in knowing where to look!

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Andrew Montlake of mortgage broker, Coreco, says: "Halifax and NatWest will look at evidence of earnings over the past two or three years and take a view. For Halifax, you must have been employed on a zero-hours contract for at least 12 months. Other lenders may only consider this type of income as 'secondary' earnings and take 50% of it.".. With a zero-hours contract, the fluctuating nature of income can make it difficult to meet the standard criteria set by mortgage lenders. As income with a zero-hours contract is uncertain and variable, lenders may see it as a higher risk, potentially affecting the approval process. However, this doesn't mean that individuals with zero-hours.