Yes — but you’ll need to show how you’ll afford it.
Applying for a mortgage while on maternity (or paternity) leave might feel daunting — especially if your income is temporarily reduced. But it is possible, and many lenders will still consider your application.
The key? Showing a realistic plan for your return to work and future affordability.
👶 Do Lenders Accept Maternity Leave Income?
Yes, most do — but with a few conditions.
They’ll want to see:
- Confirmation of return-to-work plans (with dates)
- Future income (what you’ll earn once back at work)
- Possibly a letter from your employer confirming this
- Evidence of statutory or enhanced maternity pay (and how long it lasts)
💡 What If You’re Taking Extended Leave or Going Part-Time?
Lenders will base their decision on your expected income once you return — not just your reduced pay during leave. If you’re planning to return part-time or reduce hours, that lower income is what they’ll use for affordability checks.
If you’re not returning to work at all, it becomes a bigger challenge — and you’ll likely need a joint application or a strong secondary income.
🏡 Tips for Getting Approved on Maternity Leave
✅ Gather recent payslips and your MATB1 certificate
✅ Get a letter from your employer confirming your return date and salary
✅ Use a broker who understands maternity-friendly lenders
✅ If needed, wait until you’re closer to returning before applying
🔍 What About Protection?
It’s worth considering life insurance, critical illness cover, or income protection — especially with a new family member in the picture. Some lenders even ask if you’ve got this in place.
💬 Get the Right Advice While on Leave
Maternity leave shouldn’t stop you from getting a mortgage. I’ll help you present your case clearly, understand what lenders want, and make the process as stress-free as possible.
✅ Lender-matched advice for your circumstances
✅ Guidance on affordability while on reduced income
✅ Optional support with protection policies for peace of mind