Start date and contract
A lender may want to understand whether the role has already started, whether it is permanent or fixed-term and what the employment contract says.
Employment & income · Less straightforward does not mean impossible
Can I get a mortgage if I have just started a new job or I am still in probation?
A recent job change does not automatically rule out a mortgage. The key question is usually how a lender treats the new employment, income evidence and any gap or change in occupation.
new jobprobationemploymentcareer changepayslip
What this means
Often worth exploring
A recent job change does not automatically rule out a mortgage. The key question is usually how a lender treats the new employment, income evidence and any gap or change in occupation.
0%Preparation checklistNot an eligibility score
What may matter
Break the problem into the parts a lender may actually assess.
Income evidence
The evidence available can differ if you have one payslip, several payslips or only a signed contract. Lenders do not all treat these stages the same way.
Continuity
A move within the same industry can present differently from a complete career change, especially where income structure or employment type has changed.
Prepare before applying
Turn the uncertainty into a checklist.
Mark an item when you have genuinely organised it. Progress is stored on this device and feeds into My Money Plan.
Have the signed employment contract ready
Keep the start date, salary, probation terms and employment type easy to find.
Gather every payslip you already have
Do not wait until an application is urgent to organise the evidence.
Write down the previous employment history
Include any gap between jobs and a simple explanation of the move.
Update monthly commitments
A higher salary does not remove the need to understand the full affordability picture.
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Suggested next action
Have the signed employment contract readyKeep the start date, salary, probation terms and employment type easy to find.
Worth watching
Avoid creating a second problem while solving the first.
- Do not assume every lender requires the same minimum time in a job.
- Avoid unnecessary applications just to test whether one lender accepts the situation.
- If the new role changes from employed to self-employed or contractor status, a different income assessment may apply.
Related circumstances
Check whether another part of the same case also matters.
Mortgage cases are often combinations rather than single labels. These are nearby situations based on shared themes and category, not lender eligibility matches.
Employment & incomeEvidence pattern matters
Bonus / overtime / commission
Will a lender count my bonus, overtime or commission?
Variable income is not always ignored, but the amount a lender is prepared to use can depend on history, regularity and evidence. Build the pattern before relying on the full figure.
Review this circumstance →Employment & incomeEvidence depends on your structure
Contractor / freelancer
What financials and evidence do contractors or freelancers need for a mortgage?
Contractor and freelance income can be assessed differently depending on whether you are PAYE, umbrella, a sole trader or operating through a limited company. Build one consistent income story across the contract, financial records, tax evidence and bank activity before relying on a headline day rate.
Review this circumstance →Employment & incomeCriteria and currency treatment vary
Foreign / overseas income
Can I get a UK mortgage if some or all of my income is paid overseas or in a foreign currency?
Overseas or foreign-currency income can create additional lender, evidence and exchange-rate considerations. The first step is to make the source, currency, tax position and payment history clear rather than converting one month into a permanent sterling figure.
Review this circumstance →Explore another situation
Mortgage problems are often combinations, not single labels.
If more than one issue applies, review each relevant page and keep the facts consistent across them. Started checklists will reappear at the top of the Circumstances Hub and inside My Money Plan.