Lending criteria for zero-hours contracts income
Lending criteria
Zero-hours contracts income
Applicants who are on a zero hour contract will be accepted at 60% of earnings provided they have a minimum of 12 months evidence of sustainable earning on a zero-hour contract basis, and fall into one of the following occupations:
NHS Bank and Locum Roles
- NHS Bank nurses
- NHS bank health care assistant
- NHS bank support workers
- NHS bank Allied Health Professionals (Radiographers, Physiotherapists, Paramedics, Operating Department Practitioners, Speech & Language Therapists, Occupational Therapists, Dietitians)
- NHS locum clinical and clinical support staff
Non-NHS Zero Hour Roles in High Demand Sectors
- Agency nurses
- Agency health care assistant and support workers
- Domiciliary carers (home care)
- Care home workers (residential and nursing)
- Mental health support workers
- Learning disability and behavioural support workers
- Private hospital bank workers
Other Accepted Non-Healthcare Occupations
- HGV drivers
- Supermarket workers
- Retained/on call firefighters
- Armed Forces Reserves
- Supply teachers
Evidence Required
- Your client's last 3 payslips plus the bank statement showing the salary credit from your client's most recent payslip
- Copy of their current contract (excluding NHS Bank work)
- Copy of their latest P60.
Common-sense lending
We will consider cases that are outside of our lending policy in this area if you get in touch.
Relevant case studies