Cashback Remortgages · Eligibility
Mortgages on a Fixed-Term Contract
Being on a fixed-term or temporary contract does not rule out a mortgage, but lenders look for evidence of continuity of employment and income.
How lenders view it
Lenders assess how long you have been in the role and field, the time left on the contract and your history of renewals or continuous employment. Some sectors, such as certain public-sector roles, are viewed more readily.
A gap-free record helps.
Supporting the case
Provide your contract, employment history and payslips. Advice helps identify lenders comfortable with fixed-term or temporary arrangements.
Sources and further reading
General mortgage information, not a personal recommendation. Lender criteria and scheme rules can change. Ask an adviser about your circumstances and a solicitor or tax adviser about legal or tax questions. Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the FCA.
Discuss the next step for your mortgage
Understand your options before you make a decision.