Starting a new job is exciting — but if you’re applying for a mortgage, it can also raise eyebrows with lenders. The good news? You don’t always need months of payslips to get approved.
With the right preparation (and broker!), it’s possible to get a mortgage even before your first payday.
💡 Do Lenders Accept New Employment?
Yes — many lenders will consider you if:
- You’ve started a new job recently
- You’re about to start and have a signed contract
- You’re in a probation period
Some may want extra proof, while others are happy with just your offer letter.
📄 What Documents Might Be Needed?
- A signed employment contract
- Your first payslip (if available)
- Previous payslips or P60 from your last job
- Bank statements showing regular income
If you’ve moved to a higher-paying role, that can actually work in your favour — especially if it’s in the same industry.
🧠 What If I’ve Changed Careers?
Lenders prefer continuity — but career changes aren’t always a deal-breaker. You’ll need to show:
✅ Why the change makes sense
✅ That your income is sustainable
✅ You’re not on a zero-hour or casual contract
🔍 What About Probation Periods?
Some lenders are relaxed about probation — others see it as a risk. A broker can match you to lenders who:
- Accept applicants in probation
- Accept job offers before start date
- Use future income in affordability checks
💬 Starting Fresh Doesn’t Mean Starting Over
Just started a new job? That doesn’t mean putting your homebuying plans on hold. We’ll help you find lenders who look at the bigger picture.
✅ Get approved with a new job
✅ Use your contract or future income
✅ Match with flexible lenders