Agency workers across all sectors — healthcare, education, industrial, hospitality and professional services — often struggle to get mortgages due to variable hours and irregular pay. We work with specialist lenders who assess what you actually earn over twelve months, not what your contract guarantees.
Specialist lenders for agency workers assess income by averaging total earnings from all agency sources over twelve months. Bank statements showing consistent agency income deposits and payslips from one or more agencies are the primary evidence.
A worker who consistently earns £2,200 to £2,800 per month through agency placements over twelve months has a demonstrable annual income of approximately £30,000. Even without a guaranteed contracted amount, this consistent earning pattern satisfies specialist lenders who take a pragmatic view of flexible working income.
Agency work looks different depending on your sector — and so does how lenders assess it. We match your specific working pattern to the lender best equipped to understand it.
Strong, consistent demand across the sector means healthcare agency workers are typically viewed most favourably by specialist lenders.
Consistent term-time demand and predictable placement patterns support a stable income assessment for education sector agency staff.
Seasonal or project-based work patterns are assessed with a focus on twelve-month consistency rather than short-term fluctuation.
Legal, financial and HR agency professionals may be assessed under contractor-style lending criteria rather than as zero-hours workers.
Agency workers who work for multiple agencies simultaneously — common in healthcare, education and industrial sectors — have combined income that specialist lenders will assess together. All agency income sources are included in the averaging, providing the most accurate possible picture of earning capacity. We identify the lenders whose methodology best combines multiple agency income streams for your specific working pattern.
Agency workers are paid either directly on a PAYE basis by their agency or through an umbrella company. PAYE agency workers have straightforward payslip evidence of their earnings. Umbrella workers have the additional complexity of umbrella deductions — but specialist lenders who look at the gross assignment rate before deductions can present a more favourable income figure.
We identify the most beneficial assessment approach for your specific payroll structure.
For agency workers whose current income history is too short or variable to secure the mortgage they want, we advise on the steps to build a stronger mortgage application over time — accumulating twelve months of consistent agency income, building a UK credit profile, saving toward a larger deposit.
Early advice is often more valuable than a rushed application. We are happy to advise on your future position as well as your current one.
Yes — averaging over twelve months smooths out monthly variation. What matters is the overall annual income level and the consistency of the pattern, not whether each individual month is the same amount.
It depends on your overall agency work history. If you have twelve months of consistent agency work history across multiple agencies, the recency of your current relationship is less important. We assess your full history and identify the most appropriate lender.