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How the fuck am I supposed to relocate when these are the 'rules'?

133 replies

PissedOffAndStuck · 10/03/2026 16:26

TL:DR

I want to relocate 200+miles away. I can't get a mortgage in principle because I won't have a job initially due to the distance; I can't get a job because I can't commute 200 miles each way to work!

Help!!!

Wanting to relocate from South Coast to North Yorkshire. Have a good amount of equity but want to reduce outgoings. Would still need a small mortage to buy new place (approx 15% LTV). After current home is sold and all expenses paid would be debt free with a contingency fund of approx £10k.

My current mortgage provider won't talk to me about anything because 'we can't offer advice' but you need a job for any of our products including porting your mortgage.

Mortgage providers in general want proof of regular income which given that I'm moving over 200 miles I can't provide.

Looked into shared ownership - 75% share purchased outright and £146 per month rent with option to staircase to 100% one I'm settled and get a job and can get a mortgage...computer says no...they also assess on monthly income.

How TF do people relocate? I'm looking for remote working jobs but ones that would suit me are few and far between and presumably one of the finance jobsworths is going to want umpteen payslips in triplicate before agreeing anything.

I've waited so long to make this move and my current lifestyle is absolutely killing me.

Can anyone suggest a way I can make it work? I might be able to scrape together enough to buy something without a mortgage but it would be tight.

OP posts:
PissedOffAndStuck · 10/03/2026 19:15

Ilikewinter · 10/03/2026 18:49

Do you have enough funds to pay the mortgage if you don't get a new job?

We moved from north West to east coast, DH is full time WFH and I applied for and was granted WFH so I kept my job.
However, we ported our mortgage and borrowed more and at no point did the mortgage man ask how we were planning on working 120 miles away!. We did provide wage slips for the initial application but nothing after that.

My point is that if you can afford to be unemployed for a bit, you could sell and buy, then leave your job?

Yes...I've budgeted at least £10k contingency and with a substantial deposit and buying a cheaper property this would be enough to cover 2.5 years worth of mortgage payments...hence my being so bloody frustrated!

OP posts:
Ilikewinter · 10/03/2026 18:49

Do you have enough funds to pay the mortgage if you don't get a new job?

We moved from north West to east coast, DH is full time WFH and I applied for and was granted WFH so I kept my job.
However, we ported our mortgage and borrowed more and at no point did the mortgage man ask how we were planning on working 120 miles away!. We did provide wage slips for the initial application but nothing after that.

My point is that if you can afford to be unemployed for a bit, you could sell and buy, then leave your job?

CactusSwoonedEnding · 10/03/2026 18:48

Most people who relocate plan to rent first rather than buying a place somewhere they have never lived.

Do you teach a subject that is difficult to recruit for? Try getting a job at a boarding school that comes with accommodation, then job-hunt for jobs you actually want once you have found a place to buy.

FancyCatSlave · 10/03/2026 18:45

I got the job first, then in my 3 month notice period I found somewhere to live.

You need to secure the job, then find rental accommodation, sell your current home and then buy.

Or

Sell current home, buy new home whilst staying in current job. Then once new home is secured, change jobs - using temp accommodation near current job if necessary for a while.

You can’t do it in one move with a mortgage and job dependency.

BlonderThanYou · 10/03/2026 18:41

Can you sell your house, rent in London, buy in Yorkshire, do supply teaching in Yorkshire while looking for a permanent job.

FloMoJo · 10/03/2026 18:39

I did it. Got my mortgage even though it was based on a new property 4 hours away - based on my job at the time. No-one asked. I didn’t tell! I knew I would have enough equity to last a few months and setup some work straight away.

Communitychoir · 10/03/2026 18:36

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Blackbookofsmiles1 · 10/03/2026 18:35

Not sure why one poster keeps going on about payslips…..you give the payslips from your current job, this is one of the earlier stages of getting things in place so won’t be a problem at all. This is a complete non issue. Only thing I would say is we had extra money put aside in case everything fell through last minute. My OH could cancel his notice and continue to work where mine I would have lost but had 3 months of savings.

It’s easy to move across the country, no idea why you think the bank will scrutinise you, as long as you are eligible everything would be fine.

Communitychoir · 10/03/2026 18:13

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Communitychoir · 10/03/2026 18:13

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PissedOffAndStuck · 10/03/2026 18:12

WonderfulSmith · 10/03/2026 18:10

So you are applying for remote working jobs? Then get the job first then look into moving. Personally I would want to rent in a new town first before I went to the expense of moving. I’d want to find out what areas to avoid etc.

As I've already stated I'm very familiar with the area and really don't have the budget to be paying someone else's mortgage for 6-12 months and two lots of moving costs.

OP posts:
Thegoofylife · 10/03/2026 18:11

BillyNoProblems · 10/03/2026 16:30

You rent until you find a job? Why do you want to buy so quickly anyway? Much more sensible to rent while you get to know the area better

This I had a 300 mile change. Got job first and then rented and put mine on the market and then sold and brought a new one.

PissedOffAndStuck · 10/03/2026 18:10

Barney16 · 10/03/2026 18:06

If you are a teacher and staying in teaching can't you look for jobs with a September start in your new location? If you are a teacher not wanting to teach have you looked at the work from home Hub on FB? I think it's called that. There's a section for teachers and TA's who are looking for jobs out of education. Generally all remote roles. Worth a look maybe?

That's really helpful, thank you.

I'm student welfare so it's not something I can do remotely but tbh im not hell bent on continuing to work in school.

I think I'm going to carry on looking and see how things pan out. House isn't going on the market for a few weeks so I've a bit more time to see what I can put in place between now and then.

OP posts:
WonderfulSmith · 10/03/2026 18:10

So you are applying for remote working jobs? Then get the job first then look into moving. Personally I would want to rent in a new town first before I went to the expense of moving. I’d want to find out what areas to avoid etc.

WonderingWanda · 10/03/2026 18:09

PissedOffAndStuck · 10/03/2026 17:02

Doesn't really work when you work in a school unfortunately

Moving into rented will obviously be costly, as would buying a smaller property first then upizing. Have you explored turning your current mortgage into a buy to let. Maybe speak to a mortgage advisor, most of them will do a free initial consultation.

Barney16 · 10/03/2026 18:06

If you are a teacher and staying in teaching can't you look for jobs with a September start in your new location? If you are a teacher not wanting to teach have you looked at the work from home Hub on FB? I think it's called that. There's a section for teachers and TA's who are looking for jobs out of education. Generally all remote roles. Worth a look maybe?

Fidgety31 · 10/03/2026 18:01

I am in the same boat OP. Can’t rent as I have multiple pets .
I am gonna apply for mortgage based on current job and just not mention that I will
be changing jobs . Lots of people commute for many reasons so it shouldn’t raise any flags .
Then when I move I will apply for jobs . Have enough savings to live on for a while .
Difference is I’m going back to my home town do know exactly where I want etc - but yes it’s very difficult to do it all alone .

UnbeatenMum · 10/03/2026 18:00

People I have known do this have got the job first and then spent Monday-Friday in a Travelodge or Airbnb while waiting for the sale to go through. You could also do the reverse and commute back to your old job for a while.

KilkennyCats · 10/03/2026 17:52

Most people just rent until they have a feel for the area 🤷🏻‍♀️

HeddaGarbled · 10/03/2026 17:51

Everyone I know who has relocated has got the job first (unless retiring). It is too risky (IMO) to give up a current job without having the next one secured. Accommodation is sorted once you know where the job is.

Communitychoir · 10/03/2026 17:50

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OneNewEagle · 10/03/2026 17:49

I also moved 200 plus miles years ago, rented for years.

OneNewEagle · 10/03/2026 17:49

You move and rent a house, find a job, then get a mortgage.

Communitychoir · 10/03/2026 17:49

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Blackbookofsmiles1 · 10/03/2026 17:46

Your being a bit bland- How are you going to have a job across the country when buying elsewhere….you lie, obviously. Just say you will be working from home permanently or we said we would be staying with MIL during the week to work and then going home on weekends. No one calls you after to check! We got everything in place and when we got the dates, handed in our notices a month before and moved. We had extra money so stayed off work for quite a few months then looked for jobs when we had less than 3 months savings left.

As long as you pay, it’s fine.
People saying rent are just stupid, what a waste of money! And you don’t need a job first if you already have one now!

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