Being turned down by one lender because you’re on a fixed-term contract usually means that lender’s own minimum time-remaining rule wasn’t met, not that a mortgage is out of reach generally. I compare mortgages across 120+ lenders, including some with far more flexible fixed-term contract criteria than others, and we’ll tell you honestly where you stand before anything touches your credit file.
HTG Mortgages
Fixed-Term Contract Mortgages
Last Updated: August 2026
Featured in The Telegraph • Daily Mail • The Times • Sky News
Being on a fixed-term contract rather than a permanent one doesn’t mean lenders see you as a risk, but it does mean the details matter: how much time is left on your contract, and whether you have a track record of renewal. We know which lenders take a sensible view of fixed-term contracts, common among NHS and education staff in particular, so you’re not applying somewhere that was always going to say no.
Lenders who assess fixed-term contracts on your renewal history and time remaining, not a blanket refusal
Decisions in principle done with a soft search, not a hard credit check
Speak directly to Harry, not a call centre, no passing you around
As featured in…
Meet your Advisor
Harry Goodliffe
- FCA Authorised
- Director & Mortgage Advisor
“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”
Let’s Talk About Your Mortgage
The fixed-term contract mortgage process
1
Step 1
First Chat
Contact us for a straightforward chat about your contract, how long you’ve been renewed for previously, and how much time is left on your current one.
2
Step 2
Research
We’ll match your contract history against lender criteria to find who will take a sensible view, before anyone runs a hard search.
3
Step 3
Application
Once you’ve chosen a mortgage, we’ll handle the application process, liaising with the lender on your behalf.
4
Step 4
Completion
After approval, we’ll ensure a smooth transition to your new mortgage, keeping you informed at every step.
About
Our approach.
Why choose HTG Mortgages?
Fixed-term contracts are assessed very differently from lender to lender, and getting matched to the right one from the outset makes a real difference. Here’s what matters most:
Time left on your contract matters, but the rules vary a lot by lender.
Some lenders want at least 12 months remaining on your current contract, while others will consider as little as 3 months. We know which lenders fit your specific timing.
A renewal track record helps your case.
If you can show a history of your contract being renewed, or written confirmation that it will be, that generally strengthens your application considerably compared with a first, unproven contract.
Common in the NHS and education sectors.
Fixed-term contracts are a normal part of how many NHS trusts and schools employ staff, whether covering maternity leave, a fixed project, or a probationary period ahead of a permanent role. Lenders who work with these sectors regularly are used to assessing this kind of contract.
Standard documentation, assessed carefully.
Most lenders will want to see your last year of payslips and recent P60s, the same as most employed applicants, alongside your actual contract terms.
How HTG Mortgages Can Help
At HTG Mortgages, we build your application around your contract’s time remaining and renewal history, not a blanket permanent-only rule. As an independent, whole-of-market broker we place fixed-term contract mortgages with lenders who take a sensible view of NHS and education sector contracts in particular. Here’s how we can assist you:
- Contract-first assessment: we start with your time remaining and renewal history, and match you to lenders whose minimum requirements you actually meet.
- Lender matching before you apply: we check your contract against lender criteria first, so you’re not making a hard-search application to a lender who needed more time remaining than you have.
- Broker-only access: some of the lenders most comfortable with fixed-term contracts aren’t available directly to the public.
- Sector experience: fixed-term contracts are common in the NHS and education sectors in particular, and we’re used to working with staff in both.
Who fixed-term contract mortgages can help
Fixed-term contract mortgages exist because a permanent contract isn’t the only path to a mortgage. They could be the right route if:
- You’re on a fixed-term contract with an NHS trust, school, or other employer.
- You have a history of your contract being renewed, or written confirmation it will be.
- You’ve been told you need longer left on your contract by one lender and want to know if others differ.
- You’re newer to a fixed-term role but have a track record in the same line of work.
- You’re renewing or approaching the end of a fixed-term contract and want to understand your options.
Whatever sector you work in, from the NHS to education to care, getting matched to a lender who understands your specific contract type makes the difference. If you work variable or zero hours rather than a fixed term, our zero-hour contract mortgages page covers how that’s assessed, and if you work in care, our care worker mortgages page covers shift-based NHS and agency pay.
If your contract renews on a rolling basis, our contractor mortgages page is worth a read too. We work with clients across Hampshire, including Eastleigh.
Related: Contractor Mortgages, Mortgage Broker Eastleigh.
Why use HTG’s mortgage services?
Available 24/7, so we are always there to help when you need us
We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages
We provide unrivalled customer service, ensuring that you get the care you deserve
Let’s get your mortgage sorted
Written by Harry Goodliffe
Director & Mortgage Adviser, HTG Mortgages · FCA Authorised (1017945)
CeMAP Qualified · Featured in National Press · South England Prestige Awards 2026/27 winner