4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
Securing a mortgage as an agency worker or temporary employee can feel like an uphill battle.
What Is An Agency Worker?
An agency worker is an individual employed on a temporary basis through a recruitment or staffing agency.
Rather than being directly employed by the business where they work, the agency acts as the employer for the duration of a specific project or contract. Agency workers are found across a wide range of industries — from healthcare and logistics to construction, IT, and finance.
Why Do Agency Workers Find It Harder To Get A Mortgage?
Most mainstream lenders rely on straightforward employment checks: a permanent contract, consistent monthly salary, and a clear tax history. Agency workers often cannot provide these in the traditional sense.
The good news is that specialist lenders understand the nature of agency work and assess applications differently. Rather than penalising you for not having a permanent contract, they look at the broader picture — your overall earnings, your employment history within your sector, and the likelihood of continued work.
Navigating the mortgage market as an agency worker without professional support is a significant risk.
We tailor every recommendation to your specific income structure and employment type, and we manage the entire process on your behalf — from initial research through to completion.
Our consultants have a thorough understanding of the complexities that come with agency employment, meaning your application is built to succeed from the outset.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
Residential Mortgages
Specialist Mortgages
Buy to Let Mortgages
Mortgages by Profession
