Can You Get a Mortgage After Changing Jobs?

Changing jobs can be an exciting milestone - whether it’s a well-earned promotion, a move to a better employer, or an entirely new career direction. But what happens if your dream property appears just weeks after starting your new role?

It’s natural to wonder whether a recent job change might affect your mortgage application. The short answer? Not necessarily. While some lenders prefer a longer employment history, many will consider applicants in new positions, provided their finances are in good shape.

How Lenders View Job Changes

Most mortgage lenders look for signs of income stability. Ideally, they like to see at least six months in the same role, but it’s not always a dealbreaker.

If your new role is within the same industry, comes with a better salary, or offers long-term security, lenders often view the change positively. Typically, you’ll need to provide:

• An employment contract

• At least one payslip

Or, if you haven’t started yet, a signed offer letter with a confirmed start date (depending on lender criteria).

Is There a Minimum Time to Stay in a Job Before Applying?

While there’s no strict rule, three months of employment history with matching payslips is common. This reassures lenders that your salary has started and you’re likely past probation.

However, some lenders are happy to consider applications sooner - particularly if you’ve stayed in the same sector or have strong finances, including a healthy deposit and good credit score.

Probation and Short-Term Contracts

Probation periods aren’t necessarily a barrier. Many lenders will still approve applications during this time if other aspects of your profile are strong. For fixed-term or zero-hour contracts, a history of renewals and a letter from your employer confirming your role and salary can strengthen your case.

First Jobs and Career Changes

If you’ve just started your first graduate role or made a major career switch, lenders may be more cautious. They may ask for a larger deposit or offer a smaller loan amount. However, stable sectors like healthcare, education, and engineering are often viewed as lower risk, meaning lenders may be more flexible.

Should You Wait or Apply Now?

Waiting three to six months can open up more lender options and potentially better rates. But if the right property has come up, it’s still possible to proceed sooner with the right preparation.

Confidence Comes from Preparation

A new job doesn’t have to delay your homebuying plans. With the correct documents, careful lender selection, and expert advice, you can still secure a mortgage during a career change.

If you’ve recently changed jobs and are thinking about buying a home, we can help you navigate the process with clarity and confidence.

Get in touch today to explore your mortgage options.