NHS specific enquiry - zero contracted hours

Posted on 21 February 2010 by claire

Hi thereI have been a qualified nurse for 6 months and have a permanent contract with an NHS nursing agency based on zero contract hours. i work full time and guaranteed full time hours. I am currently on £22,000 a year. my partner is just recently self employed and works part time with a security company. Are there any lenders out there who give mortgages to people who are on zero contracted hour contracts through the NHS?ThanksClaire


In short, the answer to your question is yes.  Many Lenders are now quite used to see applications from Agency staff working in the NHS and have adapted their criteria to make it easier to get a mortgage.  However, there are still some High Street names who will shy away until you have been in the same employment for a year or more.

I recommend that you speak to an independent mortgage adviser about your situation.


Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.

You are currently offline. Some pages or content may fail to load.