GUIDES
Agency Worker Mortgages - GoMortgage®
Working via an agency or on a temporary/contract basis? You can still get a mortgage.
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Self-Employed Guides - Agency worker mortgages
Can agency workers get a mortgage?
What lenders look for on agency-worker applications
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What to expect - borrowing, deposit, rates
Because agency-worker income is considered riskier than permanent employment, there are a few things to expect:
- You might need a larger deposit or stronger deposit/equity than standard cases, especially if income history is shorter or variable.
- Lenders may apply more conservative affordability multipliers or be more strict when assessing income or expenditure.
- Some deals may come with higher interest rates or stricter conditions (lower LTV, more documentation).
That said, if your agency work has been stable and properly documented, you may access a good range of mortgages.
How GoMortgage helps agency workers get a mortgage
We aim to make the challenging process as smooth as possible:
- We review your full income history – payslips, agency records, bank statements – and assess exactly what lenders will see.
- We pick lenders experienced with agency/temporary income – not all lenders accept agency work, but we know the ones who do.
- We build a strong application package – showing consistency, stability, deposit/equity, and affordability, even if work has been variable.
- We guide you on deposit, budgeting and timing – ensuring you’re as attractive a candidate as possible when lenders assess your case.
We stay with you until completion – from Decision in Principle, through offer, to completion (no surprises, no dead ends).
What to do now - how to improve your chances
If you’re an agency worker thinking about applying for a mortgage, here’s what we recommend:
- Try to collect 12 months of consistent income via agency work (payslips, contracts, bank statements).
- Maintain a clean credit history – pay bills/credit obligations on time, avoid defaults.
- Save up a realistic deposit or aim for strong equity – this helps compensate for perceived income risk.
- Be ready with paperwork – recent payslips, proof of address, bank statements, agency contracts.
Speak to a specialist broker (like us). Getting the right lender match makes a big difference.
Ready to start your application?
If you work through an agency, temp contract, umbrella company or similar – don’t assume you’re excluded from getting a mortgage.
📞 Call GoMortgage on 01253 935050 or complete our enquiry form. We’ll review your situation, tell you what lenders we can approach, and build a plan to get you a mortgage on your terms.
GoMortgage® – Real work, Real income, Real mortgage possibilities.
Thanks for reading our guide on Agency worker mortgages.
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Author: Chris Days - Gomortgage
- 5 Mins
- Updated: Nov 17th 2025
Frequently Asked Questions
Can I get a mortgage if I’ve only done 6 months agency work?
It’s possible – but harder. Most lenders prefer around 12 months of stable agency income. Having a contract with guaranteed continuation or a higher deposit helps.
Will my mortgage rate be worse than a permanent employee’s?
Not necessarily – but lenders may view you as higher risk, so rates might be slightly higher or you may need stronger deposit/security.
Can I still apply if I’ve had gaps between assignments?
Yes – gaps don’t automatically disqualify you. But the lender will look more closely at overall income history, deposit and affordability.
My credit isn’t perfect - can I still get a mortgage?
Possibly – combined with stronger income history or deposit, or with specialist lenders used to flexible employment types.
What if I’m on zero-hours or agency umbrella pay?
Some lenders and brokers accept umbrella/zero-hours pay, but criteria tend to be stricter. Transparency and documentation are key.
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Contact our friendly mortgage advice team. Sound mortgage advice from the experts at GoMortgage.
