How long do I need to have been working as a temp?

Most lenders want to see at least 12 months' continuous employment history, though some may accept 6 months in certain industries. Gaps between contracts should ideally be minimal.

Can agency workers get the same rates as permanent staff?

Yes — with the right lender, agency and temp workers can access the same competitive rates as permanent employees. We compare 90+ lenders to find you the best deal.

What if I've just started a new contract?

If you have a track record of continuous temp work and have just started a new contract, lenders will usually consider your application. The new contract shows ongoing employment.

Temporary & Agency Worker Mortgages

Temporary contracts and agency work don't disqualify you from getting a mortgage. We work with lenders who assess your earnings history, not your contract type.

Mortgages for Temporary & Agency Workers

Whether you work through a recruitment agency, on fixed-term contracts, or as a temp in sectors like healthcare, education, or construction, getting a mortgage is possible. The key is finding a lender who understands that temporary work is often stable, regular employment — just without a permanent contract.

Lenders who accept temp, agency & fixed-term contracts
12 months' work history often sufficient
NHS bank staff, supply teachers & agency nurses considered
100% fee-free mortgage advice
Both direct employment and umbrella company workers accepted

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Your home may be repossessed if you do not keep up repayments on your mortgage.

How Lenders View Temporary Work

Specialist lenders look at your actual earning history rather than your contract type. If you've been consistently working and earning for 12+ months — even across multiple contracts or agencies — many lenders will calculate your income in the same way as a permanent employee.

Industry-Specific Considerations

Certain industries are viewed more favourably by lenders. Healthcare workers (NHS bank staff, agency nurses), IT contractors, and construction workers on CIS (Construction Industry Scheme) are commonly accepted. Lenders understand that temporary work in these sectors is often a choice, not a sign of instability.

What Evidence You'll Need

Typically 12 months of payslips (or CIS vouchers), bank statements showing regular income, and a contract or assignment schedule showing ongoing work. An employer reference or agency letter confirming your working pattern can also help strengthen your application.