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  • FIRST POST
    • Trixie29
    • By Trixie29 6th Jul 18, 10:19 PM
    • 6Posts
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    Trixie29
    New Job - Mortgage Offer
    • #1
    • 6th Jul 18, 10:19 PM
    New Job - Mortgage Offer 6th Jul 18 at 10:19 PM
    Hi guys

    Just wondering if anyone knows how hard it would be to get a mortgage offer in a new job?

    Thinking of moving jobs, obviously isnít really a great time when Iím looking to buy but seems like a great opportunity and a pay rise would mean I can afford a higher mortgage which will be a massive help!

    So would I need to wait until Iíd been in the new job six months or would it not be a problem? Is a factor that is going to make my decision of whether to accept or not.

    Thanks in advance
Page 1
    • buggy_boy
    • By buggy_boy 7th Jul 18, 1:20 AM
    • 501 Posts
    • 375 Thanks
    buggy_boy
    • #2
    • 7th Jul 18, 1:20 AM
    • #2
    • 7th Jul 18, 1:20 AM
    Speak to a mortgage adviser but historically at least it has not been a problem as long as you are in constant employment and the new job role is not a fixed term job role.

    I don't think you should have too many problems but again speak to an all of market independent mortgage adviser, note find one that does not charge you.
    • Noobie2011
    • By Noobie2011 7th Jul 18, 10:15 AM
    • 268 Posts
    • 46 Thanks
    Noobie2011
    • #3
    • 7th Jul 18, 10:15 AM
    • #3
    • 7th Jul 18, 10:15 AM
    Speak to a Broker as I had this issue when we were looking at buying and due to not a brilliant credit report and using HTB we were very restricted so the likes of the Specialist Lenders want you in a job for at at least 3 months and out of any probation.

    However in the end due to our credit file getting much better(paid of a load of debt) we were able t approach Halifax and they have no problem with time in job or probation etc. The only ask from them was do you have a permanent contract and may want to see 1 payslip but the time it takes to do everything you would have received one when it is needed.
    • juliang
    • By juliang 7th Jul 18, 4:02 PM
    • 3 Posts
    • 0 Thanks
    juliang
    • #4
    • 7th Jul 18, 4:02 PM
    • #4
    • 7th Jul 18, 4:02 PM
    Speak to a broker but it's possible.

    I'm changing jobs in September but, for the house I wanted to buy, needed my new salary to be considered rather than my current (there's a significant difference). Declared all in application, they contacted new employer to confirm terms of contract, and approved it. Mortgage will actually start before I even start the new job.

    Halifax for me but think the broker spoke to a few banks and checked stuff out beforehand to see where was best to apply given the situation.
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