Mortgage with a new job
Just started a new job and hoping to get a mortgage? Some lenders will see you as higher risk simply because you are new in post, and many want you in the job for 6 months or more before an application. Angela specialises in finding the lenders who take a different view.
You have secured a great role, often with a pay rise - that should count for you, not against you. No fee if she can't help.
Sound familiar?
- First-time buyer in a new role
- Moved jobs for better pay
- Remortgaging after a job change
- Moving home with a new employer
- Still in a probation period
- Turned down for being new in post
Why a new job complicates a mortgage
It can feel like a step backwards: you have found a great role, in many cases with an increase in pay, and suddenly lenders treat you as a risk. The sad reality is that some will require 6 or more months in a job before considering an application at all.
That is a rule some lenders apply, not a rule of lending. Others assess new-job applications on their merits - the trick is knowing which ones, and how they want the application presented.
How Angela helps
As a specialist independent adviser, Angela works with lenders from across the whole market, including those who specialise in offering mortgages to people who have just started with a new employer. First-time buyer, remortgaging or moving home - the route exists, and the job is matching your position to the right lender first time.
Based in Benfleet, Essex - advising clients across the whole of the UK.
No question was ever treated as a silly one…
Fair questions, straight answers
Can I get a mortgage with a new job?
With the right help, yes. Some lenders want 6 or more months of history with your current employer, but others will take a view much sooner. Angela finds the ones that fit your timeline.
Does the pay rise from my new job count?
With the right lender it does. Bring your contract and payslips to the first conversation and Angela will tell you straight what your new income supports.
Also worth a look
-
Mortgage in a probation period Looking to get a mortgage in your probation period? Some lenders see you as higher risk because you have just … - Specialist mortgages Low credit score, adverse profile, or income that does not fit the mould high-street lenders expect? Then a sp…
-
First-time buyer mortgages Buying your first home is a milestone, and the mortgage side of it can feel overwhelming. Angela gives first-t…
Just started a new job?
Plenty of lenders will work with a new contract - some before you have even started. Find out where you stand.
Seven quick questions. Nothing touches your credit file.
or call 01268 387898