Mortgage after getting a new job

oxfordmark

Hello

My partner is currently at Uni (due to finish in May). She has been working part time at the workplace we worked at for 3 years full time before going to Uni.

When she gets a full time job, would we be able to get a mortgage straight away, or would we need to wait x amount of months before we would be accepted?

kingstreet

Some lenders will accept an application from someone who has not yet started, if they have a written offer and a start date.

Some lenders will accept an application from someone in a probationary period.

Some lenders have a minimum period of employment.

There are obviously more in the last category than there are in the first, so, chances are, the longer she is employed, the better your mortgage deal might be...

oxfordmark

Hello

I cannot remember what the Nationwide advisor, said... I will need to try and find out.

Thanks

Marie27lol

Mind was, require a letter from employer that you were starting xyz. (Mind you I did have other assets they could persue if I defaulted).
M

ACG

Depends on the lender. I managed to get one 2 months after starting a job.

Some will do it straight away, some require 3, 6 or 12 months in employment before they accept the application.