As enquiries about options for those who want to get a mortgage during their probationary period at work continues to increase, we are keen to make sure that all get the right advice and information to ensure they don\u2019t lose out on purchasing a property.\r\n\r\nUsing our comprehensive guide, we aim to answer all of the key questions most have about mortgage employment requirements and probation periods - you\u2019ll find the following topics covered below...\r\n<ul>\r\n \t<li><a href="#get-mortgage-during">Can I get a mortgage during a probation period?<\/a><\/li>\r\n \t<li><a href="#getting-mortgage-while-in">Getting a mortgage while in probationary period<\/a><\/li>\r\n \t<li><a href="#mortgage-app-during">Mortgage application during probation period<\/a><\/li>\r\n \t<li><a href="#different-industries-affect">How probation periods in different industries can affect mortgage applications<\/a><\/li>\r\n \t<li><a href="#options-probationary-length">Mortgage options based on<\/a><a href="#options-probationary-length"> probation period length<\/a><\/li>\r\n \t<li><a href="#lenders-probationary-periods">Mortgage lenders and probation periods<\/a><\/li>\r\n \t<li><a href="#faq-probationary-periods">Frequently asked questions<\/a><\/li>\r\n \t<li><a href="#probationary-expert">Speak to an expert broker about mortgages<\/a><\/li>\r\n<\/ul>\r\nUsing Online Mortgage Advisor's free services you will be able to get advice and support from experts, who specialise in helping people to get the best from their probation mortgage.\r\n\r\nWe always welcome enquiries from all - regardless of circumstance - and our site is designed to create easy access to accurate information and resources.\r\n\r\nTo get the best from our platform you can make an enquiry, or use the live chat available on our site or call us on 0808 189 2301.\r\n\r\n[feefo-banner]\r\n<h2 id="get-mortgage-during">Can I get a mortgage whilst still in my probationary period?<\/h2>\r\nYes, you can! Although there are mortgage providers who will turn away customers who are in a probation period, others take a more flexible approach, noting that having a contract should be enough to show that your employment is permanent.\r\n\r\nThings lenders will also consider though is your contract type and even the wording of it too. \u00a0It\u2019s worth noting that the majority will reach out to your employer to confirm the length of your work probation and confirmation of your job offer as a part of evaluating your <a href="https:\/\/www.onlinemortgageadvisor.co.uk\/mortgage-application\/" target="_blank" rel="noopener noreferrer">mortgage application<\/a>.\r\n\r\nThis applies even if you have just started the role and will be a key part of getting your application approved. To learn more about how starting a new job can make a difference when applying read our guide to<a href="https:\/\/www.onlinemortgageadvisor.co.uk\/income-types\/getting-a-mortgage-with-a-new-job\/" target="_blank" rel="noopener noreferrer"> getting a mortgage with a new job<\/a>.\r\n\r\nIt\u2019s also worth noting that most underwriters will not consider any variable pay elements above and beyond your basic pay, such as commission if you\u2019re still in your probationary period.\r\n\r\nRead on to find out more, or better yet, <a href="https:\/\/enquiries.onlinemortgageadvisor.co.uk\/income-types-advice" target="_blank" rel="noopener noreferrer">make an enquiry<\/a> and we\u2019ll have one of the expert advisors we work with go over them with you.\r\n<h2 id="getting-mortgage-while-in">How do I go about getting a mortgage while during probationary period?<\/h2>\r\nMaking an enquiry with a whole-of-market broker, like the ones we work with is a good place to start, as this will ensure that you\u2019ll get the right advice.\r\n\r\nBut first, there are a few things to consider that may affect your chances of success.\r\n\r\nIt\u2019s common for mortgage lenders to request at least 12 months\u2019 track record of working in the same industry. This is to help convince them that, if for any reason you do not pass your probationary period, you\u2019re sufficiently experienced in the field to get another job quickly. There are a select few lenders who may not even require this\r\n\r\nThis rule of considering length of employment before lending even applies to smaller \u2018loans\u2019 such as bank overdrafts.\r\n<h3>Why is it more difficult?<\/h3>\r\nMortgage lenders, rightly or not, consider those in probation more of a risk. In their view they may have to consider that you may not pass probation to become permanent in the role and also acknowledge newer staff are more likely to get made redundant if the company faces financial issues.\r\n\r\nThose in new jobs, may not be able to provide evidence to satisfy more tailored criteria - depending on the lender - Most lenders will ask for <a href="https:\/\/www.onlinemortgageadvisor.co.uk\/income-types\/proof-of-income\/">payslips during a mortgage application<\/a> as <a href="https:\/\/www.onlinemortgageadvisor.co.uk\/income-types\/proof-of-income\/">proof of your income<\/a> over a certain time.\r\n\r\nAs requirements change often, it can be difficult to find what options are available to you without the right support. If you need a mortgage in probation period, one of the best ways to start is to use our online services and <a href="https:\/\/enquiries.onlinemortgageadvisor.co.uk\/income-types-advice" target="_blank" rel="noopener noreferrer">make an enquiry <\/a>to speak to one of the expert advisors we work with about this.\r\n<h3>Will the type of job I do make a difference?<\/h3>\r\nApplications made in probation are often considered differently depending on the job you are in e.g. applications from public sector workers such as <a href="https:\/\/www.onlinemortgageadvisor.co.uk\/mortgages-for-professionals\/mortgages-for-teachers\/" target="_blank" rel="noopener noreferrer">teachers<\/a> and <a href="https:\/\/www.onlinemortgageadvisor.co.uk\/mortgages-for-professionals\/mortgages-for-doctors\/" target="_blank" rel="noopener noreferrer">doctors<\/a> for example, and\/or industries where it is common to change contracts - may have a better chance of a successful application.\r\n\r\nAs the strength of your application will be circumstance based, <a href="https:\/\/enquiries.onlinemortgageadvisor.co.uk\/income-types-advice" target="_blank" rel="noopener noreferrer">get in touch<\/a> so we can connect you with one of the many expert brokers we work with, who will guide you step by step through the process. Jump ahead to the next section to find out more...\r\n<h2 id="different-industries-affect">How probation periods in different industries can affect getting a mortgage<\/h2>\r\nWe previously touched on how your job and industry can change how lenders view granting your mortgage application, but there\u2019s more to it than you may first think.\r\n\r\nIf you work in the public sector, for example, you could also be eligible for<a href="https:\/\/www.onlinemortgageadvisor.co.uk\/mortgages-for-professionals\/mortgages-for-key-workers\/"> key worker mortgages<\/a>, which aim to offer better rates for those in certain fields like health, education, public safety and more.\r\n\r\nTo be considered a key worker typically you will have to work in\/for the following organisations:\r\n<ul>\r\n \t<li>NHS<\/li>\r\n \t<li>Police service<\/li>\r\n \t<li>Local Authority Teachers<\/li>\r\n \t<li>Fire Brigade<\/li>\r\n \t<li>HM Prison and Probation Service<\/li>\r\n \t<li>Ambulance Service<\/li>\r\n \t<li>Public Transport<\/li>\r\n<\/ul>\r\nIt must be noted that these types of mortgages are unfortunately becoming rare, especially as most government-funded key worker mortgage schemes are no longer available. Banks are also increasingly less keen to adopt these type of mortgages into the ranges and they differ in requirements and criteria to get one if they do.\r\n\r\nThat\u2019s not to say that they don\u2019t exist and can be a great way to take your first step onto the property ladder, especially when aiming to increase your chances of mortgage approval during job probation.\r\n\r\nHowever, if you\u2019re not in the public sector and are in a probation period while applying, don\u2019t worry - all is far from lost if you get the right direction. Save yourself the hassle of trying to convince lenders to be more flexible and let us help by taking advantage of our <a href="https:\/\/enquiries.onlinemortgageadvisor.co.uk\/income-types-advice" target="_blank" rel="noopener noreferrer">free broker matching services<\/a>.\r\n<h2 id="options-probationary-length">How does my probation period length affect my mortgage options?<\/h2>\r\nDespite what many may have been told, probation period length does not have a huge affect on your options when trying to get a mortgage - but that\u2019s not to say that lenders won\u2019t take it into consideration at all.\r\n\r\nFor example, some lenders could approve your loan but choose to pause of releasing the funds to you until your probation period is completed. In their view, this decreases your risk of not being made permanent but this could be an issue if your probation is longer than you are willing to wait to finance purchasing a property.\r\n\r\nNot all lenders take this approach, however - and with the average worker having a 6 month probation period in new jobs - some offer mortgages regardless of length or how far into your probation you are at the time of application.\r\n\r\nThis is because the majority will look at your employment history as a way of determining if they will allow you to borrow. If you have been in a similar role previously or can demonstrate that you have a record of steady income through your past jobs, you\u2019re more likely to satisfy their requirements for a mortgage while on job probation.\r\n\r\nAs we will explore in more detail next, lender\u2019s stance on granting a mortgage in a probationary period are varied, so for most it will be essential to get assistance from specialist brokers.\r\n\r\nThere are many ways to <a href="https:\/\/enquiries.onlinemortgageadvisor.co.uk\/income-types-advice" target="_blank" rel="noopener noreferrer">contact us<\/a> to use our free services and we can get you chatting to one of the many brokers we work with that can help you find the right probationary period mortgage for you.\r\n<h2 id="lenders-probationary-periods">Mortgage lenders and probation periods<\/h2>\r\nMany hunting for a mortgage whilst on probation will be made aware that you are more likely to pay higher rates but that is of course not always the case, as this depends on lender discretion and the strength of your application.\r\n\r\nHere are a few examples of requirements from major mortgage lenders:\r\n<ul>\r\n \t<li><a href="#nationwide">Nationwide<\/a><\/li>\r\n \t<li><a href="#Halifax">Halifax<\/a><\/li>\r\n \t<li><a href="#Santander">Santander<\/a><\/li>\r\n<\/ul>\r\n<h3 id="nationwide">Nationwide mortgage probationary period<\/h3>\r\nNationwide are open to considering applications from people in a probationary period at work but they do not offer mortgages in the following circumstances if applicable during this time:\r\n\r\nYou are in casual employment: Ad hoc, or a <a href="https:\/\/www.onlinemortgageadvisor.co.uk\/income-types\/mortgages-for-people-on-zero-hour-contracts\/">zero hours contract mortgage<\/a>\r\n<h3 id="Halifax">Halifax mortgage probationary period<\/h3>\r\nHalifax are also another lender that consider probation period applications and take a similar stance to other providers in noting that the probation period must be a part of a permanent contract.\r\n\r\nHowever, if the contract in question is purely probationary and includes an option for the employer to terminate the contract then they will not offer a mortgage or consider applications in these cases.\r\n<h3>Santander mortgage probationary period<\/h3>\r\nTo be in with a chance of getting a mortgage while on a probationary period you\u2019d need to have worked and\/or will be working continuously for six months - but this doesn\u2019t have to be with the same employer. Without this they are less likely to approve an application. They do allow flexibility in other circumstances that apply to job probation applicants.\r\n\r\nAs you can see, some of the mainstream lenders attach caveats if you\u2019re applying for a mortgage during a probationary period, so you\u2019re running the risk of being turned down if you approach the wrong one for your needs and circumstances.\r\n\r\nWith this in mind, the best way to kick off your application is by making an enquiry to speak a whole-of-market broker who can pair you with the right lender first time.\r\n<h2 id="faq-probationary-periods">Mortgages and probationary periods: FAQ<\/h2>\r\nBelow you\u2019ll find the answers to the questions we hear most frequently about mortgages and probationary periods...\r\n<h3>Can I get a mortgage as a probationary teacher?<\/h3>\r\nYes, in fact you could also be eligible for key worker mortgages, which often offer better rates for those in certain fields like health, education - and of course teaching.\r\n<h3>Can I get a mortgage working for the police while on job probation?<\/h3>\r\nYou can get a mortgage while on probation for a role in the police force and they too are eligible for key worker mortgages, as they work in public sector.\r\n<h3>Can I get a mortgage in Ireland while on work probation?<\/h3>\r\nYou will be able to get a mortgage in this circumstance in Ireland too - just like in England, Wales and Scotland - banks\/lenders will look at individual cases and decide if you are suitable upon application.\r\n\r\nFewer lenders operate in Scotland and Ireland, and the ones that do cover these countries tend to have postcode restrictions, which means the best deals are more difficult to come by - so seeking specialist advice from a whole-of-market broker is recommended.\r\n<h3>Can you remortgage during probation period at work?<\/h3>\r\nDepending on your lender it is possible to do so but on top of the restrictions that come with <a href="#get-mortgage-during">getting mortgages while in probation period<\/a>, this may also depend on other factors, such as a change in income. A decrease, for example, could affect how much they are willing to let you borrow.\r\n\r\nDon\u2019t forget the experts we work with will help match you with a lender that suits your specific needs and circumstances. We charge zero fees for using our services and it has no impact on your credit, so don\u2019t delay getting in touch - we\u2019re here to help.\r\n<h2 id="probationary-expert">Speak to a whole-of-market broker about mortgages and overdrafts<\/h2>\r\nIf you have questions and want to speak to an expert for the right advice, call Online Mortgage Advisor today on 0808 189 2301 or <a href="https:\/\/enquiries.onlinemortgageadvisor.co.uk\/income-types-advice" target="_blank" rel="noopener noreferrer">make an enquiry online<\/a>.\r\n\r\nThen sit back and let us do all the hard work in finding the broker with the right expertise for your circumstances.\u00a0 We don\u2019t charge a fee and there\u2019s absolutely no obligation or marks on your credit rating.