As a care or support worker, your work is vital, but when it comes to getting a mortgage, your pay structure might hold you back. Whether you work shifts, juggle agency hours, or earn income from multiple roles, traditional lenders often don’t recognise your full earnings.
At Mortgage Knight, we specialise in helping care workers, support staff, and agency carers secure affordable mortgages—based on what you really earn, not just what shows on a single payslip.
We arrange mortgages for:
Whether you’re buying your first home or remortgaging, we’ll guide you every step of the way.
Most banks prefer:
So if you:
you might be told you can’t borrow as much—or at all. That’s where we come in.
We work with flexible lenders who:
We structure your case clearly, so underwriters understand how you earn—and approve the mortgage you deserve.
| Pay Type | How It’s Treated |
|---|---|
| Agency shifts | Averaged over 3–6 months |
| Zero-hour contract | Averaged income if regular hours shown |
| Multiple roles | Blended into total income for affordability |
| Overtime/bonuses | Included if consistent over recent months |
| Umbrella-paid carers | Gross income assessed from weekly payslips |
Status: Claire worked through a care agency and picked up 2–4 shifts per week, paid weekly.
Challenge: Her income varied slightly and she had no fixed contract.
Solution: We averaged her last 16 weeks’ payslips and bank credits to show consistency.
Outcome: Claire was approved for a £160,000 mortgage with a 10% deposit.
Status: Luke worked full-time at a care home and also took extra weekend agency shifts.
Challenge: His secondary income was initially ignored by his bank.
Solution: We combined both incomes using 12 months of payslips and a letter from his agency.
Outcome: He secured a £250,000 home loan and moved into his first home.
Status: Nia worked through an NHS bank with varying weekly hours but had been consistent for over 12 months.
Solution: We showed her 12-month average income and her typical hours per week.
Outcome: She was approved by a high-street lender and secured a £200,000 mortgage.
As a care or support worker, you make a difference every day. At Mortgage Knight, we’re here to help you own a place you can call home, regardless of how you’re paid.
Get in touch today for clear, honest advice and mortgage options built around you.
A: Yes. We’ll use an average of your income over several months to show consistency, even if it’s not the same every week.
A: No. We work with lenders who accept agency, zero-hour, or temporary contracts—as long as your income is regular.
A: Yes. We often combine two or more roles—whether part-time, agency or PAYE—to increase your borrowing potential.
A: Many of our clients buy with a 5%–10% deposit, depending on credit and income. We’ll help you explore all options.
A: Yes. We work with lenders who accept gross umbrella income and understand how to assess these types of payslips.
