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No Upfront Fees! - 0207 993 2044
16 years in business Helping thousands of clients.

Best Mortgage with a New Job

by Payam Azadi

Mortgage with a New Job

 

 

 

 

 

 

What is the minimum time to get a Mortgage with a New Job

Getting a mortgage with a new job is a distinct possibility but as Mortgage Lenders apply different rules you are better enlisting the services of a professional Mortgage Broker to avoid disappointment.

To explain further every Mortgage Lender will have a defined set of rules for determining whether to lend to employees looking for a mortgage, these normally cover the following question set:

  • How long have you been in your current job?
  • Were you working in a similar field previously? If so, for how long? Was this on an employed basis?
  • Is the position permanent, a fixed term contact or zero hours?
  • Are you related to the employer?
  • Is there a probationary period?
  • Are the contracted hours excessive?
  • Do you have a signed employment contract?
  • Does the job require relocation, extra travel or child care costs? If so, how will this affect affordability?
  • Is the level of earnings in keeping the role?
  • Is the new job your sole income?

Example:  Mortgage with a New Job

Lender A: no minimum time in your current job provided the position is permanent and there has been continuous employment for 12 months in a similar line of work.

Lender B: 6 months in current job or passed probation if longer. No prior jobs needed.

Lender C: will work off a signed job offer contract even if the job is only due to start in 3 months’ time.

As you can see there is a great disparity between the various Mortgage Lender stances. A skilled Mortgage Broker, such as Niche Advice, should be able to guide you to the appropriate home for the right Mortgage Lender for your circumstances. When looking to get a Mortgage with a New Job considerations needs to be given to your individual circumstances such as income profile, income and expenditure, type of property your deposit levels something Niche Advice has been doing for over 10 years.

Click to view Mortgage in a probationary period Product & Rates

Niche Advice offers appropriate advice to employees that are looking to get the Best Mortgage with a New Job. To find out more please complete the Contact Form on this website or call T: 020 7993 2044.

Filed Under: Mortgages

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AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.
If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay. Niche Advice Limited is a Credit Broker and does not lend money directly to clients. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority.

FCA Number: 750263.

Commercial Buy-to-Let and commercial mortgages are not regulated by the Financial Conduct Authority.

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Correspondence Address: Niche, Unit F3, The Addington Business Centre, Vulcan Way, New Addington, Surrey CR0 9UG.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234567.

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