Can You Get a Mortgage with a New Job? What Buyers Need to Know in 2025

Starting a New Role? You May Not Need to Wait

For many prospective buyers, starting a new job can feel like a barrier to homeownership. It is a common belief that you must wait several months and collect multiple payslips before applying for a mortgage. Fortunately, that is not always the case.

In fact, many lenders are open to considering mortgage applications from individuals who have only just begun a new role. Some will even accept a signed employment contract as proof of income, meaning it is possible to apply before your first payday—especially if you are moving into a permanent position in a familiar field.

Lender Policies Vary; Here’s What to Expect

Although there are flexible options out there, not all lenders approach new employment the same way. Some may still request a few months of payslips or ask for additional context if you have switched industries, taken time out of work, or moved into a probationary period.

This variability in approach makes it essential to understand the policies of different lenders. Knowing who to approach and how to position your application can make a significant difference in both the outcome and the timeline.

How to Strengthen Your Application

If you have recently started a new job and are thinking about applying for a mortgage, preparation is key. Having a signed employment contract is often enough to begin, especially if your role is permanent or fixed-term with a clear income structure. Some lenders may also want to see your previous employment history, especially if there have been gaps or changes in sector.

It helps to present your case in a clear, organised way with all relevant documents to hand. Lenders want to feel confident that your new role offers long-term income stability.

Professional Guidance Makes All the Difference

At Altura Mortgage Finance, we frequently help clients who have recently changed jobs secure a mortgage without delay. We know which lenders are open to early-stage employment, what supporting documents they require, and how to strengthen your application to improve the chances of approval.

If you are in a new job and considering a home purchase or remortgage, there is no need to postpone your plans. Contact our team today to explore your options with confidence.