Yes — but timing is key. Many lenders are happy to consider a mortgage based on your new salary, even if you haven’t started yet — especially with a signed contract in hand.
📈 What Lenders Usually Want
- A signed employment contract
- Confirmation of start date and salary
- Ideally, the role is permanent or long-term
- A role in the same industry can boost confidence
📅 Just Started? Or Still Waiting?
You can apply:
- Before your first payslip (some lenders accept this!)
- Once you’ve started, with just 1 payslip
- With a future-dated contract if it’s within 3 months (sometimes longer)
🧠 Tips to Strengthen Your Case
- Apply with a broker — they’ll know which lenders accept your offer
- Avoid probationary periods if you can
- Have a deposit ready to show commitment
- Don’t job-hop again mid-process!
💬 Got a New Job or Pay Rise? Time It Right
Your new income could open mortgage doors — even before it lands in your bank. Let’s find lenders who’ll back your potential, not just your past.
✅ Use your new salary to borrow more
✅ Apply even before your start date
✅ Trusted advice on lender-friendly timing