{"id":161954,"date":"2019-01-14T12:16:05","date_gmt":"2019-01-14T12:16:05","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=161954"},"modified":"2026-05-11T05:28:06","modified_gmt":"2026-05-11T04:28:06","slug":"will-changing-job-affect-my-mortgage-application","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/will-changing-job-affect-my-mortgage-application","title":{"rendered":"Will changing job affect my mortgage application?"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article><p>A new job might be exciting for you, but it could have a negative effect on your mortgage application.<\/p><p>Many lenders often see a new job as being less stable than one you have had for many years.<\/p><p>This is due to:<\/p><ul><li><strong>A probation period.<\/strong> Your contract could be terminated at short notice and with less explanation during your probation period.<\/li><li><strong>Redundancy.<\/strong> Newer employees tend to be let go first when companies are making redundancies.<\/li><\/ul><p>If you lose your job due to either of these reasons, you&#8217;ll be at serious risk of falling behind on your mortgage repayments.<\/p><p>As such, even if your new job provides higher pay, you may need to convince your mortgage lenders of its stability.<\/p><div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div id=\"jobchanges\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What job changes might concern mortgage lenders?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\">Mortgage lenders want to see proof of financial stability and job security.<\/p><p>The best way to show them this is to wait until you&#8217;ve passed your probation period before applying for a mortgage.<\/p><p>However, if you remain in the same line of work on the same or higher salary, a brand new job is likely to be less of a big deal.<\/p><p>If you&#8217;re changing careers, this could raise more concerns, as you&#8217;re often perceived as being less likely to remain in the job.<\/p><p>If you&#8217;re switching to a job that&#8217;s partly commission-based, this could also cause problems, as your income is perceived as being less guaranteed.<\/p><\/div><\/div><\/div><div id=\"self-employed\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What if I&#8217;m becoming self-employed?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>If you&#8217;re turning self-employed or starting a business, this could ring even more alarm bells, as even less of your pay is guaranteed.<\/p><p>Some lenders require a couple of years worth of pay receipts before even considering approving a mortgage for self-employed applicants.<\/p><p>Any capital you borrow to launch your new business could also count against you in your mortgage application, as this is likely to decrease the spending power available to repay your mortgage.<\/p><\/div><\/div><\/div><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 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js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th><span class=\"row-color-icon\" style=\"background-color: #1D53FF;\"><\/span>Yorkshire and the Humber<\/th><th><span class=\"row-color-icon\" style=\"background-color: #00B2FF;\"><\/span>West Midlands<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FFD23B;\"><\/span>Wales<\/th><th><span class=\"row-color-icon\" style=\"background-color: #C3F53C;\"><\/span>South West<\/th><th><span class=\"row-color-icon\" style=\"background-color: #B469FF;\"><\/span>South East<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FF73A9;\"><\/span>Scotland<\/th><th><span class=\"row-color-icon\" style=\"background-color: #1DD751;\"><\/span>Northern Ireland<\/th><th><span class=\"row-color-icon\" style=\"background-color: #DB2420;\"><\/span>North West<\/th><th><span class=\"row-color-icon\" style=\"background-color: #E5F7FF;\"><\/span>North East<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FFF9E5;\"><\/span>Greater London<\/th><th><span class=\"row-color-icon\" style=\"background-color: #EEF5DC;\"><\/span>East of England<\/th><th><span class=\"row-color-icon\" style=\"background-color: #F2E5FF;\"><\/span>East Midlands<\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td>No<\/td><td>52.94%<\/td><td>46.09%<\/td><td>48.48%<\/td><td>57.97%<\/td><td>46.36%<\/td><td>47.37%<\/td><td>58.33%<\/td><td>45.45%<\/td><td>50%<\/td><td>45.37%<\/td><td>48.28%<\/td><td>46.59%<\/td><\/tr><tr><td>Yes<\/td><td>47.06%<\/td><td>53.91%<\/td><td>51.52%<\/td><td>42.03%<\/td><td>53.64%<\/td><td>52.63%<\/td><td>41.67%<\/td><td>54.55%<\/td><td>50%<\/td><td>54.63%<\/td><td>51.72%<\/td><td>53.41%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"source-container\"><span class=\"source\">Source: Finder survey by Censuswide of 1032 Brits, December 2023            <\/span><\/div><\/div><div id=\"convincethelenders\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What can you do to convince the lenders to approve your mortgage?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Most lenders will arrange an interview with one of their mortgage experts about your job change. This is your opportunity to show them proof that your job and pay is likely to be secure.<\/p><p>Give examples of the transferable skills you are bringing to your new career. Show them any payslips you&#8217;ve been given so far &#8211; and provide examples of the average commission that others in your job have made in the past.<\/p><p>Lenders will usually want to see the following documents:<\/p><ul><li>An official offer of employment detailing your start date, title and pay.<\/li><li>Any recent payslips you&#8217;ve been given, if applicable.<\/li><li>Contact details for the Human Resources department.<\/li><\/ul><p>There are some lenders that specialise in offering mortgages to self-employed applicants. If you&#8217;re becoming self-employed, you may have to apply to these specialists for a mortgage.<\/p><\/div><\/div><\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Learn how changing jobs could affect your mortgage application. <\/p>\n","protected":false},"author":645,"featured_media":117332,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Will changing job affect my mortgage application","_yoast_wpseo_title":"Will changing job affect my mortgage application? Yes it can","_yoast_wpseo_metadesc":"Wondering how changing jobs could affect your mortgage application? Our straightforward guide explains all you need to know.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2024-01-18 09:08:54\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this guide with Finder survey data.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[1023],"tags":[],"asset_tag":[],"class_list":["post-161954","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Will changing job affect my mortgage application? 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