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Fixed-Term Contracts
Specialist Mortgage Advice For Fixed-Term Contract Workers
On a fixed-term contract? Many lenders consider contract income, and we help you find the ones that understand how you work.
Fixed-Term Contracts
Your Contract Income Deserves Specialist Mortgage Advice
Understand how lenders may assess income from a fixed-term contract.
01
Time Left on Your Contract
Some lenders look for at least 12 months remaining on your current contract.
02
Contract Track Record
Others accept a 12-month track record of income from contract work, evidenced by previous contracts or P60s.
03
Renewal Evidence
If your contract is close to ending, lenders may ask for evidence that it has been renewed or that a new contract is in place.
04
Payslips & Bank Statements
Expect to provide your current contract, recent payslips and your latest bank statement to verify your income.
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£250,000
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FAQ
Common Questions
Everything you need to know about mortgages on a fixed-term contract
Can I get a mortgage on a fixed-term contract?
Yes. Many lenders accept fixed-term contract income. For example, some will consider your income where at least 12 months of your contract remain, or where you have a 12-month track record of income from contract work.
What if my contract is about to end?
Some lenders ask for evidence that your contract has been renewed, or that a new contract is in place, if fewer than two months remain on your current contract.
What documents will I need?
Lenders commonly ask for a copy of your current contract, your latest bank statement and recent payslips, with more payslips often needed at higher loan-to-value. If less than 12 months remain on your contract, previous contracts or P60s can help show your track record.
Do all lenders treat fixed-term contracts the same way?
No. Criteria such as the minimum time left on your contract and the evidence required vary between lenders, which is why specialist advice can help you find the right lender.