While getting a mortgage during a probation period at work presents challenges with some lenders, it’s certainly possible if you find the right lender. In this guide, we explain the challenges and the best ways to give you the best chance of success with your application when applying for a mortgage during a probation period. 

Challenges of securing a mortgage while on probation period at work 

While it’s common for new employees to be put on probation, it does offer less security than for those not on probation. In times of job cuts, those on probation are usually the first to go on a last-in, first-out basis. It’s also possible to be dismissed with minimal to no notice. Many lenders insist on a minimum period of employment, for example, 3-6 months, and many in the early stages of probation won’t have access to 3-6 months of payslips.

Lending criteria for applicants in new job 

  • Time in Employment: Lenders vary in their requirements. Some have no minimum and will even lend based on a job you’ve not yet started, up to 3 months in advance. Others require 1, 3, or 6 months of employment.
  • Continuous Employment: While some lenders insist on a minimum length of time with the current employer, others may require a minimum period of continuous employment with no gaps. For example, NatWest requires a minimum of 6 months of continuous employment, which can include time spent in multiple jobs.
  • Job Type: The profession can impact a lender’s decision. For example, those in professional roles like accountants or teachers may receive more leniency than those in other professions.
  • Experience: Your chances of success may improve if you have experience in your industry and have simply switched companies, as opposed to starting a new career altogether.

How to Improve Your Chances of Success with a Mortgage Application While on Probation with a New job 

  • Use a Mortgage Broker: They can access a large panel of lenders and find those willing to consider lending while you are on probation.
  • Prepare Your Documents: Have all necessary documents ready, including your employment contract and proof of employment history prior to your current job.
  • Length of Employment: Some lenders require a minimum period of employment, such as 1, 3, 6, or 12 months. While it’s possible to get a mortgage with no minimum employment history, having a longer time in employment will provide you with more options.
  • Increase Your Deposit: Putting down a larger deposit may make you more attractive to a wider range of lenders.
  • Wait Until Off Probation: While it’s not necessary with plenty of lenders, you may feel more comfortable borrowing once your job is more secure.

Mortgage Lenders and probation periods

The vast majority of mainstream mortgage lenders will consider applicants who are on probation, subject to minimum employment requirements. However, certain lenders like Vernon, Precise, and Pepper Money may have issues with probation periods.

Steps Involved in Getting a Mortgage During a Probation Period

  1. Book a Consultation with a Specialist Broker: Find a broker who understands probation periods and can guide you through the process.
  1. Gather Documents and Review Options: Collect all necessary documents and review your mortgage options with your broker.
  1. Secure an Agreement in Principle: Obtain an agreement in principle from a lender to understand how much you can borrow.
  1. Begin Property Search: Start looking for properties within your budget.
  1. Make an Offer on a Property: Once you find a suitable property, make an offer.
  1. Apply for Full Mortgage Application: After your offer is accepted, submit a full mortgage application to your chosen lender.

How can Strive help?

At Strive, we specialise in assisting clients who are on probation and looking to secure a mortgage. Our team understands the unique challenges of obtaining a mortgage during a probation period and provides expert guidance tailored to your specific situation. 

We have access to a wide range of lenders and can identify those who are willing to consider applications from individuals on probation. By working closely with you, we ensure all necessary documents are prepared and review your options thoroughly. From securing an agreement in principle to submitting your full mortgage application, we support you at every step to increase your chances of success.


  • Should you wait to get a mortgage until you’ve finished your probation period? No, there are plenty of lenders who consider applicants on probation. Just ensure you check the specific criteria of each lender.
  • Can I apply for a remortgage if I’m in a probationary period at work? Yes, similar to the above, many lenders will consider your application. Just check their specific criteria.
  • Does being on probation affect getting a mortgage? With some lenders, yes. The vast majority are okay with it, but some have minimum employment length requirements, either with your new job or in continuous employment.
  • Do mortgage lenders ask to see an employment contract? Some do if you’ve recently started a new job. If you have been there a while, usually not.
  • Can I get a mortgage if I have just started a new job? Yes, subject to the lender’s criteria, including employment length and probation periods.

Contact us todayand we’ll work hard on your behalf to find you a competitive mortgage.

For more information on mortgages for contractors, please contact a member of the Strive team, by emailing [email protected] or call us on 01273 002697.