Mortgage on Probationary Period
Mortgages are available during a probationary period and with a new job - from specialist lenders who accept day-one employment income rather than requiring the probation period to have ended.
Day-one employment income accepted
Standard mortgage lenders typically require applicants to have passed their probationary period - often 3 to 6 months of employment - before they will assess income from a new job. Specialist lenders accept day-one employment income where the applicant has a signed contract of employment confirming the role, salary, and start date. A new job is not a mortgage barrier with the right lender.
New job mortgages - every situation handled
Day-One New Employment
Specialist lenders accept a signed employment contract and offer letter as evidence of income for a mortgage application, without requiring any period of payslips or a passed probation. The contract must specify the role, salary, and start date.
Job Change Within Same Sector
A move from one employer to another within the same sector - particularly with a salary increase - is treated most favourably by specialist lenders. Career progression is a positive signal for underwriters assessing employment stability.
Job Change Across Sectors
Moving to a different sector or a materially different role requires specialist lenders comfortable with career changes. The previous employment history and the income trajectory are the key assessment factors.
Contractor to Permanent Employment
A contractor moving to permanent employment provides a clean income picture - the new permanent salary is assessed on the contract and offer letter. Specialist lenders understand this transition and do not require months of payslips.
High Income New Employment
Where the new salary is materially higher than the previous position - a significant promotion or career step - specialist lenders can advance the mortgage on the new higher salary with appropriate evidence.
Fixed-Term Contracts
Fixed-term employment contracts are accepted by specialist lenders where the term is sufficient to cover the application and the early mortgage period. Shorter fixed-term contracts may require additional evidence of renewal likelihood.
How it works
Tell us the employment situation
Share the new role, start date, salary, and whether probation has passed. We identify specialist lenders who can assess your specific employment situation correctly.
Evidence requirements
For day-one employment: signed offer letter and employment contract. For partially served probation: contract plus any payslips received. We advise on the exact evidence format required by the target lender.
Application and underwriting
Specialist lenders manually underwrite new employment cases. We present the employment evidence clearly and manage any underwriter questions about the employment history.
Mortgage offer
Typical timeline: 4 to 6 weeks from full application to mortgage offer. Clear day-one employment evidence with a signed contract is processed efficiently by specialist lenders.
Starting a new job and need a mortgage?
Tell us the role, salary, and start date. We identify specialist lenders who can accept day-one employment income - same working day response.
Frequently asked questions
Can I get a mortgage if I have just started a new job?
Yes - from specialist lenders who accept day-one employment income. A signed offer letter and employment contract confirming the role, salary, and start date is the primary evidence. You do not need payslips or a passed probation period.
What documents do I need for a mortgage on probation?
Signed employment contract and offer letter confirming salary and start date. If any payslips have been received, they are helpful additional evidence. P60 from the previous employer confirms prior employment history.
What if my probation period has not ended?
Specialist lenders do not require the probation period to have ended. The signed employment contract is sufficient evidence of income. If probation has partially elapsed, payslips received so far are additional supporting evidence.
Does a job change affect which mortgage I can get?
A job change can narrow the lender panel slightly compared to long-established employment. Specialist lenders experienced with new employment cases still provide a wide range of products at competitive rates.
Can I include bonus from a new job in the mortgage assessment?
Bonuses are typically excluded from new employment assessments until a track record is established. The base salary from the new contract is the assessed income. Where the previous employment had a consistent bonus history, some specialist lenders may include a portion.