Explain the new role and the employment risk clearly
We review whether the role is permanent or fixed term, the probation length, any notice provisions and your history in the same profession. A lender may ask for the signed contract, first payslip or employer confirmation. The timing of an application can be as important as the headline salary.
How I approach the case
We begin with what you want to achieve, your timescale and any part of the case that needs explaining. I review the evidence and suitable lender routes, then explain the available options and their costs. A recommendation follows the individual assessment; an initial conversation does not commit you to an application.
Where legal, tax or other specialist advice is needed, we identify it early so the finance fits the wider transaction. Tell me about any change in employment, borrowing, deposit or property details before proceeding.
What to prepare
- Signed employment contract
- Start date and probation terms
- Latest payslips if available
- Previous employment history
- Deposit, commitments and property details
You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.
Do not assume a future salary or successful completion of probation will be accepted before it is evidenced. Employment changes must be disclosed throughout the application.
Your questions, answered
Must I wait until probation ends?
Not always. Some lenders can consider a new permanent role during probation, depending on the contract, profession, previous experience and the rest of the case. We check the evidence and policy before making an application.
Can a future pay rise be used?
Only when it meets the lender’s evidence requirements; a verbal expectation is not enough. Provide the signed contract or employer letter showing the confirmed amount and effective date.
What if I change jobs after applying?
Tell me immediately. A material employment change can affect affordability or the lender’s decision, even if the salary increases. The application must remain accurate through to completion.
Further reading: MoneyHelper: mortgages and homebuying. Content reviewed 17 September 2026. General information; availability depends on the individual case.