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Lending criteria

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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 nurses and locums
  • Non-NHS Bank nurses
  • Care Home Workers
  • Supermarket Workers
  • HGV Drivers
  • Retained/On-Call Firefighters
  • Armed Forces Reserves
  • Supply Teachers.
  Evidence Required
  • Your clients last 3 payslips plus the bank statement showing the salary credit from your 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