Get A Mortgage With A New Job

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Can I Get A Mortgage With A New Job?

So you’ve secured your dream job which is great news for you as you embark on your latest venture in life. Now you’ve got your new job, you may start to think about buying your own home for the first time. But starting a new job could make being accepted for a mortgage more difficult, even if you earn more. Here you can find out why and what you can do to improve your chances of getting a mortgage with a new job.

Why Will I Struggle to Get A Mortgage With A New Job?

There’s a good chance that if you’ve just started a new job, you may struggle to get a mortgage. This is because most lenders will only offer you a mortgage if you have been in your job for a while.

There are some lenders that may accept you if you have worked at your job for three months or less, but they can be difficult to find if you’re not sure where to look for them. In some cases, mortgages will only be available to you if you’ve been in your job for more than three years.

Largely, it depends on the lender’s acceptance criteria and their set of rules that determine who they are happy to provide a mortgage to. The factors include your employment status, age, income and credit record.

We have the skills and expertise to match people with their perfect mortgage. We’ve already helped hundreds of people obtain a mortgage and consequently secure their dream property. We have even helped people release money from their property to make them more financially secure or to complete the home improvements you’ve always wanted.

Dan Churchouse
Dan Churchouse
We used Regal for our recently completed house purchase. The mortgage was a relatively complex arrangement given it consisted of two parts (a result of porting over the terms of an existing mortgage and adding additional debt on new terms) but Matthew Graves and Kirsti Newman were very clear in their articulation, making it easily digestible and allowing me to factor into monthly affordability. They were also speedy in their responses and clearly not biased to any one provider. I feel safe in the knowledge that I ended up with the best deal available and would highly recommend their services.
Taylor Joanne
Taylor Joanne
Excellent and professional service. Everything was handled and dealt with quickly.
Sue Vecchione
Sue Vecchione
Well worth the fee. Mortgage sorted in less than 48 hours. Fantastic service with great communication. Much recommended 😀
Harry Jackson
Harry Jackson
Matthew, Kirsti and Katie were all really helpful. Made sure that, as first time buyers, we understood everything that was going on and were always there to help if we needed them to. 100% would recommend you use them!
Michael Clarke
Michael Clarke
Karen and Kirsti have been invaluable in helping us through the mortgage application process for our first home. We would thoroughly recommend their services - it has saved us a lot of stress! Swift and considerate guidance and support throughout the process.
Ioana Tomut
Ioana Tomut
We have worked with Karen and are extremely happy with how she handled our account. This was the second time we have attempted to buy our first house and we have worked with another mortgage advisor before. While both were excellent in terms of service and communication, Karen's suggestions for solicitors and survey were significantly cheaper to what we were quoted last time. I greatly recommend them.
R Findlay
R Findlay
Thank you very much to Richard at Regal Finance for making our first home purchase run as smoothly as possible. Richard was available to provide us advice throughout the whole process and I would highly recommend using Richard at Regal Finance Group!
Sarah Carter
Sarah Carter
Absolutely brilliant! Alwasy go over and above and feel thoroughly looked after. Highly recommend.
Joe Alsford
Joe Alsford
I can not speak highly enough of the service I received from Richard Powers at Regal. Gave excellent clear advice, continually negotiating the best deal available. Went above and beyond, fantastic to have in your corner in what can be a stressful process!
Cannot recommend Regal Finance enough! Matthew and Kirsti were amazing and completely took the stress out of the process. They were always available to answer questions and guide us through everything. I found they had access to a wider range of products than other advisors I had used in the past. I will be recommending Regal Finance Group to everyone I know!

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Why Might Lenders Turn You Down

A lender could turn you down for a mortgage as you pose more of a risk after you start a new role. You could become unable to afford your mortgage payments if you lose your job due to underperformance during your probation period, as your company could terminate your contract without notice in this period until your role becomes permanent.

Or if your employer needs to make cuts, the newest employees are usually the first to go.

What If I Earn More Now?

If you earn more, it will stand in your favour when it comes to getting a mortgage with a new job, as a higher salary can lessen the impact as it increases what lenders think you can afford to borrow.

You will need to prove your new salary, so it’s best to ask your employer to confirm it in writing.

On the flip side, if you would be earning less, moving to a new job with a lower pay obviously means the amount you can afford towards mortgage payments will go down.

Get In Touch

We work with a range of providers to find you the best mortgages available from an array of lenders and we pride ourselves on putting the right person with the right product, whether it’s for mortgages or protection.

So what are you waiting for? Give us a call to find out more.

Get A Mortgage With Regal in 3 Easy Steps


Step 1

Complete an enquiry form and an advisor will call you back.


Step 2

Send us the documents we need.


Step 3

Receive a Decision in Principle from one of our lending panel.

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