Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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:
Communitychoir · 10/03/2026 17:41

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

Communitychoir · 10/03/2026 17:40

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

mindutopia · 10/03/2026 17:37

We moved about 2 hours away. Honestly, no one asked about jobs. 🤷🏻‍♀️ We had jobs. I was employed, Dh self-employed (well, company director). Our new house is about 2 hours drive from Dh’s business and 3.5 hours from my employer at the time. Didn’t make any difference to our mortgage. No one ever asked what we were planning to do about work. It was all based on affordability with our income on the day we applied.

I’d apply for a mortgage and interview for new roles for a September start. You may end up doing a crazy commute or living in temporary accommodation, but that’s fine.

museumum · 10/03/2026 17:30

I moved from London to Edinburgh, you get a job first by travelling for interview, then you give notice and sell your place, renting near the new job until the sale goes through. It's far far easier to buy and sell separately without a chain. You just need to factor in 3-6mo of rent to your costs. You are also in a much better place to choose the right property to buy once you know where your new job will be so a few months renting is worth it.

Catza · 10/03/2026 17:30

PissedOffAndStuck · 10/03/2026 17:21

I'm Student Welfare/First Aid rather than a teacher but this is really encouraging - thank you!

NHS will be hiring in a few weeks' time once the budget for next FY gets approved. I ended up relocating last time having found the job in early April and was ready for the new post in July. EA universally accepts contract in lieu of recent payslips so that wasn't an issue at all. But, as I said, much easier to find off season holiday lodge even if a tad more expensive than renting. You are not then competing with other renters which, in some areas, could be pretty fierce.
I think you need to let go of the idea that you will move from your current house into your new one right away. Once you make peace with it, you'll see that it's not at all hopeless.

PissedOffAndStuck · 10/03/2026 17:21

Soontobe60 · 10/03/2026 17:15

It absolutely does! We have just employed a teacher who’s moving from London to Manchester. She got her job last month for a September start.

I'm Student Welfare/First Aid rather than a teacher but this is really encouraging - thank you!

OP posts:
PissedOffAndStuck · 10/03/2026 17:19

@Ponderingwindow yes, I've registered with two academy groups in the area as spring is usually a good time to look

Keeping an eye on NHS jobs as I know they can take 2-3 months to reference and get a start date, and also looking out for remote working jobs.

@WarrenTofficier this is definitely an option too

Honestly I'm just overwhelmed with the logistics and having a bit of a tantrum about how bloody difficult it is, especially doing it all on my own. The shared ownership option would have elminated so many stressors and probably allowed me to move sooner so I was a bit gutted to come up against the same issue. I've been working two jobs for nearly four years now and I'm burnt out and just desperate for this fresh start.

I've got my mortgage advisor on the case, and two others on standby and I'll find a way to make it work somehow.

OP posts:
Hoppinggreen · 10/03/2026 17:17

People rent
Its not ideal, especially when there are so few rental properties BUT if you can get one you can give 2 months notice at any time (from May)
Having said that with no job its unlikely you will be able to do that either unless you offer a lump sum upfront. Agents can't sk you to do that (from May) but you can offer. However as you could still give 2 months notice and they would have to refund you Landlords will be reluctant to accept it, especially as there re probably applicants with secure jobs already who can pass Refrencing

Soontobe60 · 10/03/2026 17:15

PissedOffAndStuck · 10/03/2026 17:02

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

It absolutely does! We have just employed a teacher who’s moving from London to Manchester. She got her job last month for a September start.

PissedOffAndStuck · 10/03/2026 17:12

Simplesbest · 10/03/2026 17:05

We lied. Said we were living with our parents down south for free during the week and spending weekends at our new home. Worked, they're not there to question life styles only finances. Obviously when it went through we handed notices in and took new jobs up with new house.

Honestly can't say I blame you.

OP posts:
Ponderingwindow · 10/03/2026 17:12

Actually, it just occurred to me that I have never moved without a job in place. So even renting wasn’t an issue.

Don’t school jobs tend to hire in advance of the next school year? It seems like that would make this easier.

WarrenTofficier · 10/03/2026 17:07

Buy somewhere small out right then upsize after a year. Bonus points if you buy something you can add value.

Simplesbest · 10/03/2026 17:05

We lied. Said we were living with our parents down south for free during the week and spending weekends at our new home. Worked, they're not there to question life styles only finances. Obviously when it went through we handed notices in and took new jobs up with new house.

PissedOffAndStuck · 10/03/2026 17:02

WheretheFishesareFrightening · 10/03/2026 17:01

Most people find the job first and then move to the job, renting, lodging or airbnb’ing until they have the stability to get a mortgage.

But if I was going to move 200 miles, I’d do it with my current job as they have offices around the country so I’d be able to work out of a local office immediately with some travel back to my current location and then I’d move to a more local role once I had actually moved,

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

OP posts:
PissedOffAndStuck · 10/03/2026 17:02

Bluegreenbird · 10/03/2026 16:52

I’m with the mortgage companies. They only care that you can pay the mortgage and how can you prove that if you don’t have a job? It would be irresponsible to lend you anything.
Sell. Rent. Then buy at your leisure.

I do get this but once my property is sold I'm looking at approx 80% deposit and enough money in the bank to cover 2.5 years worth of mortgage payments - it seems crazy that there is no wiggle room given the circumstances.

I have been visiting the area and planing this move for about 10 years - waiting until my DD was independent before moving so I'm confident in that aspect of the move.

Although I have decent equity, I'm not a high earner and am moving to reduce outgoings and have a slower pace of life. If I have to rent for god knows how long and put stuff in storage it's going to heavily impact what I'm able to buy once I'm working.

OP posts:
WheretheFishesareFrightening · 10/03/2026 17:01

Most people find the job first and then move to the job, renting, lodging or airbnb’ing until they have the stability to get a mortgage.

But if I was going to move 200 miles, I’d do it with my current job as they have offices around the country so I’d be able to work out of a local office immediately with some travel back to my current location and then I’d move to a more local role once I had actually moved,

Catza · 10/03/2026 16:56

I've done something similar and stayed in a holiday lodge off season for much lower rates and with a very flexible contract. I'd say your only options are to rent/lodge/stay in a guest house/property guardianship for 3-6 months, Keep your cash in a high interest ISA and savings account, then pull all your resources together when you are actually mortgageable again.

Bluegreenbird · 10/03/2026 16:52

I’m with the mortgage companies. They only care that you can pay the mortgage and how can you prove that if you don’t have a job? It would be irresponsible to lend you anything.
Sell. Rent. Then buy at your leisure.

JHound · 10/03/2026 16:49

Can’t you rent when your first relocate and then buy once you have a job?

As in a temporary rental / longer term Air BnB. Or if by yourself you can find a share as you won’t need a job.

myopinionis · 10/03/2026 16:48

Usual sequence is

  1. find job
  2. find temporary accommodation
  3. find permanent accommodation

If you have deep pockets, you might be able to skip a step or two. But trying to go straight to (3) is both difficult and risky. So even the very well off wouldn't normally go straight to that option.

Depending on your family situation, you might be able to rent somewhere small or even single room lodging for just one working adult while the family stays in your current home?

yellowfieldpinkflowers · 10/03/2026 16:34

You might struggle to rent. In many areas there is competition for rental properties and landlords would choose someone with a job over someone without.

Being a lodger might be an easier, and cheaper, first step. Then get a job and then buy. You will also then be an attractive buyer as you are not in a chain.

Ponderingwindow · 10/03/2026 16:33

When we have moved cities we rented for 6 months or a year and then bought a home.

GrumpyInsomniac · 10/03/2026 16:33

We moved to North Yorkshire from London. We rented until we had both got settled work-wise and also had a chance to look at different areas to make sure we were choosing somewhere that suited us. Better that than buying somewhere and discovering that either the village was dead or full of unwelcoming cliques.

Communitychoir · 10/03/2026 16:32

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

Communitychoir · 10/03/2026 16:32

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

Swipe left for the next trending thread