Mortgage Advice for People with Complex Incomes and Employment

Expert Mortgage Guidance for Zero-Hours, Fixed-Term Contracts & Multiple Income Sources

Mortgage Solutions

Getting a mortgage when you have a complex income or an unconventional employment contract can feel daunting. Many high street lenders have strict criteria, making it difficult for people with variable incomes to secure a mortgage.

Flexible Approach

Whether you’re on a zero-hours contract, a fixed-term contract, a day rate contractor, or receiving income from multiple sources, we understand how your income is structured and can match you with lenders who take a flexible approach.
At PBS Mortgage & Financial Advisors, we specialise in helping clients with non-traditional incomes find mortgage solutions that work for them.

Can I Get a Mortgage with a Zero-Hours or Fixed-Term Contract?

Yes, it’s possible! Many lenders are willing to consider applicants on zero-hours or fixed-term contracts, but they may assess your income differently than they would for a standard salaried employee.

Some key factors they consider include:

Employment History – A strong track record in your field, even if you’ve had multiple contracts.

Length of Contract – The longer your current contract, the better, but even short-term contracts can be considered.

Income Consistency – Lenders may look at your income over the past 12 months or more to get a clearer picture of your affordability.

Industry & Demand – Certain sectors (e.g., healthcare, IT, education) are seen as lower risk, making mortgage approval easier.

At PBS Mortgage & Financial Advisers, we have access to lenders who are more flexible with contract workers. We’ll help you present your income in the best possible way to improve your chances of approval.

Mortgages for Contractors – Including CIS & Day Rate Contractors

If you work as a contractor, freelancer, or self-employed worker in the construction industry, you may have been told that securing a mortgage is difficult. However, there are lenders who specialise in mortgages for CIS contractors and day rate contractors, and we can help you find them.

Day Rate Contractors

For professionals working on a day rate basis—such as IT contractors, engineers, or consultants—many lenders are willing to calculate your annual income based on your day rate rather than requiring traditional payslips or accounts. This can increase your borrowing potential significantly compared to lenders who only assess net profits or dividends.

CIS Contractors

If you work in construction and are paid via the Construction Industry Scheme (CIS), some lenders will treat you as an employed applicant rather than self-employed, meaning they may assess your income based on your gross earnings before tax rather than your net profits. This can be beneficial for maximising your affordability and securing a better mortgage deal.

Using Multiple Income Sources to Boost Your Mortgage Affordability

Many people receive income from more than one source, and the good news is that certain types of additional income can be used to strengthen your mortgage application. Lenders may take into account:

Benefit Income – Some lenders will consider benefits such as:·
Child Benefit·
Universal Credit·
Personal Independence Payment (PIP)·
Disability Living Allowance (DLA)·
Carer’s Allowance

Bonuses & Commission – If you receive bonuses, commission, or overtime income, some lenders will count a percentage of this towards your total income. The amount accepted varies, but we know which lenders are most favourable.

Maintenance Payments – If you receive child maintenance or spousal maintenance as part of a legal agreement or consistent private arrangement, some lenders will include this as income.

Stipend Income – If you receive a stipend, such as for postgraduate research or medical training, some lenders will accept this as part of your mortgage application. While not all lenders recognise stipend income, we know which ones do and can help you find the best options.

By working with a mortgage broker like us, you can increase your borrowing potential by including all eligible income streams when applying for a mortgage.

Why Choose PBS Mortgage & Financial Advisors?

Specialist in Complex Income Cases

With our experience in the market, we know which lenders are most flexible.

Whole of Market Access

Unlike banks that only offer their own products, we can find the best deal from across the mortgage market

Tailored Advice & Support

We take the time to understand your full financial picture and structure your application for the best chance of success.

Stress-Free Process

We handle all the paperwork, making the process smoother and easier for you

Flexible Appointment Options

We offer consultations in person, over the phone, or via video call to suit your schedule

Free Initial Consultation

We provide a no-obligation first meeting at no cost, so you can explore your ortage options with confidence

Don’t just take our word for it...

Great financial advice, very clear and concise and with no pressure. I’ve used Ross a couple of times now and he couldn’t be more helpful, that goes for the rest of the team too. Excellent company to use would recommend to anybody thinking about financial/mortgage advice.

Jon Ford
Lancaster

Superb service from the team at PBS - highly recommended. Gareth was exceptional and provided great support throughout. Fee was also more than reasonable. Looking forward to using PBS again when my mortgage renewal is due.

Ben Knott
Lancaster

We have used PBS's services quite a few times and every time we have had fantastic service. Ross, in particular, is professional, helpful and understanding. He helped us navigate our very first mortgage in 2016, then subsequent remortgaging processes. Thank you for all your help, it's been invaluable!

Grace Rawsthorne
Lancaster

An excellent service, very efficient & a very good remortgage deal. Streamlined service & we  were kept up to date regularly about the progress. Would definitely use again & recommend.

Gary Macdonald
Lancaster

Cannot rate PBS financial solutions highly enough. Paul has always been very helpful, listening to our changing needs and giving us sound advice and direction in relation to mortgage renewals. This has been especially important with the prices going up significantly. Would recommend without hesitation.

Mireille Formosa
Lancaster

Very informative and efficient service. Everything was explained clearly and presented to us well which made the whole re-mortgaging process simple and stress free. Thanks to the team at PBS!

Michael Orford
Lancaster

PBS was recommended to me by a friend and I am so glad to have had the tip. PBS went above and beyond to help us and we will certainly be using them again. I have already recommended them to two other people myself. Many thanks to Ross and Sara for their hard work and determination.

Helen Hanks
Penmaenmawr

Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances. I want to also extend extra thanks for their patience and understanding when things got a bit stressful! I would highly recommend their services.

Josh Heron
Lancaster

Thank you for making our mortgage application so easy and stress free. Ross was fantastic! He kept us updated every step of the way. Super responsive to my many emails to him. Thanks again Ross!

Terri Whiteside
Morecambe

They are very knowledgeable and helpful. I have used their services multiple times and have always been more than happy with the process and outcome. Highly recommended.

Ashley Foster
Berkshire

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