Mortgages for the people who care.
Zero-hours, agency and live-in carers — Halifax, Newcastle Building Society and Kensington accept 100% of care income with 12 months of consistent history.
Care worker mortgages are UK residential mortgages for carers, healthcare assistants, home care workers, live-in carers and support workers. Specialist lenders — Halifax, Newcastle Building Society, Kensington, Precise and Nationwide — accept zero-hours, agency and multi-employer income by averaging 3–12 months of payslips, counting enhancements at 100%, and allowing up to 95% LTV via the UK Mortgage Guarantee Scheme.
The numbers, at a glance.
What lenders want to see.
Who typically qualifies
- Care home, home care and support workers
- Live-in and travelling carers with rolling assignments
- Agency and zero-hours carers with 3–12 months of consistent shifts
- Multi-employer carers (aggregate income accepted)
- Newly-qualified with signed offer letter
Documents to prepare
- Latest 3–12 months' care sector payslips
- Employment contract(s) or agency agreement
- Latest 3 months' bank statements
- P60 or SA302 for the most recent tax year
- Passport / driving licence and 3-year address history (family address ok for live-in)
How Elena helps, specifically.
Zero-hours friendly
3–12 months of consistent care shifts averaged and accepted at 100%.
Enhancements at 100%
Unsocial-hours, sleep-in and night enhancements counted in full.
Multi-employer income
Two or three care roles aggregated into a single affordability figure.
5% deposit
95% LTV via the UK Mortgage Guarantee Scheme with Halifax and Nationwide.
Live-in carers
Family or previous rental address accepted for the 3-year requirement.
AI-matched
Elena screens 15+ carer-friendly lenders in under 60 seconds.
Top lender matches for this profile
"Averages 3 months' care sector income and counts enhancements at 100%."
"Dedicated key-worker product with 5% deposit for carers."
"Zero-hours and multi-employer care income accepted with 12 months history."
Questions, answered.
Elena, our AI mortgage expert, can answer it in seconds — or book you a free callback with a human broker.
Can care workers get a mortgage in the UK?
Do lenders accept zero-hours care contracts?
Can live-in carers get a mortgage without a home address?
How much can a care worker borrow?
Ready to meet your AI mortgage advisor?
Get a personalised eligibility check in under 60 seconds. No credit footprint, no spam.