New Job or Probation
Can You Get a Mortgage on Probation or in a New Job?
Just started a new job or still in your probation period? You can often still get a mortgage. Some lenders want a track record, but many will lend from your first day. Here is what lenders look at.
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Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
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Why It Can Work
Lots of Lenders Will Lend From Day One
What matters most is your contract, your industry and your history.
- ✓Same industry: moving to a similar role often counts in your favour
- ✓Permanent contract: a signed contract helps even while on probation
- ✓Payslips: some lenders want one, others want three or more
- ✓Gaps: time out of work between jobs can be asked about
How We Help
How We Help After a Job Change
Five steps to the right lender.
Look at Your Contract
Permanent, fixed term, probation or notice periods all matter.
Check Your Pay
Basic salary, bonus, overtime and commission are treated differently.
Pick the Right Lender
Some lenders lend on probation, others will not. We know which.
Time It Right
Sometimes waiting for one more payslip opens more lenders. We will advise.
Get It Submitted
We gather the paperwork so the application goes in right first time.
Common Situations
Job Changes Lenders See Every Day
If one of these sounds like you, talk to us first.
Brand New Job
Some lenders accept a signed contract and offer letter before your first payslip.
Check My Options →On Probation
Many lenders accept probation periods, especially in the same line of work.
Talk It Through →Self-Employed Switch
Just gone self-employed? Lenders usually want accounts, but some are more flexible.
Talk It Through →Common Questions
New Job Mortgage Questions, Answered
The things people ask us most.
Can I get a mortgage on probation?
Often, yes. Many lenders accept probation periods, especially if you have stayed in the same line of work.
Can I get a mortgage with a new job?
Yes, some lenders will lend from day one with a signed contract. Others want payslips first.
How many payslips do I need?
It varies. Some lenders accept one, others want three months or more.
Should I change jobs while buying a house?
It is best to talk to us first. A job change during the process can affect your mortgage.
Does a new job affect my mortgage application?
It can. Lenders need to reassess if your job changes before completion.
Can I get a mortgage on a fixed term contract?
Often, yes, especially with a history of renewals or a long contract.
Related guides
- What affects mortgage approval
- Mortgages for teachers
- How much can I borrow?
- Buying a house in Scotland step by step
- All mortgage questions answered
Written by Tony Flynn, mortgage broker at Tony Flynn Mortgages, helping homebuyers across Lanarkshire and Scotland. This page is general information, not personal advice. Speak to Tony about your own circumstances.
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Started a New Job?
Fill in the form and we will be in touch within one working day. Tell us about your new role and we will tell you straight which lenders will consider you.