AIBU or is my future employer?

[pcofmushu]

I have been offered a fantastic new job that I have accepted, however I have said that I cannot start until after XXXX as I am currently in the process of buying a house and the mortgage advisor informs me that changing jobs during an application is not ideal. (We have the formal mortgage offer, just waiting to move in).

New employer says they feel "let down" that I cannot start any sooner. I maintain that I cannot scupper my chances when we are so close to moving in.

Thoughts? AIBU to not take the risk (and ultimately follow the financial advisor's advice!), or should I be accommodating the desires of the new job?

As soon as we are served notice (which is 2 weeks prior to completion day) I will hand my notice in, so it is literally delaying start date by 6-8 weeks MAX

This is taking the piss and I'm not surprised they are annoyed. 6-8 weeks is a long time to delay by! I thought you meant you would be handing in your notice in enough time to actually start the new job in early January but it doesn't sound like it?

@HermioneWeasley

One month’s notice now would have you starting around Xmas, which is a daft time to start, so early Jan is fine.

I think the advice from thr mortage broker is odd though, assuming you’re not taking a massive drop in income?

My thoughts exactly. This new job is a significant increase in salary too, and the mortgage broker says it makes no difference "a job change is a job change".... I really struggle to understand how getting a new job pre-mortgage that is a better salary can have a detrimental impact on getting your mortgage funds !!

It's the lack of a specific date and tying it to other things which is the issue. Not the time specifically.

Go back to HR with a specific date 22 January or something

i would be concerned about your new employer's attitude,

@MrsLargeEmbodied

i would be concerned about your new employer's attitude,

I must say this is raising red flags with me also. Unfortunately right now, with the advice I'm getting from my mortgage broker, starting the new job too soon could put my mortgage in jeopardy. I didn't think it was unreasonable for somebody to not want to do that!

It's the lack of a specific date and tying it to other things which is the issue. Not the time specifically.

^This. You have no set date. You are leading your new employers hanging on your word. I wouldn’t be impressed with you either

I should add that I never want to upset anybody or make life difficult. But when somebody qualified is telling me that accepting a new job could put my mortgage at risked, surely anybody would do anything for things to not come to that

I think you made a mistake telling them tbh. I was made redundant during a house purchase once - I never said a word but applied everywhere I could. I was in a new job (earning more) well before we moved house....

It's not only the delay irs the fact that it's an already delayed new build. A friend of mine is still waiting for her new build which was supposed to be built in June.

You are asking for them to hold the position indefinitely for you.

I completely understand your position but it puts the employer in a difficult position because they literally have no idea at all when you might start.

You need to go for the longest time that it might take and give them a firm, final date

On the application did it ask your current notice period? And if so did you write 4 weeks? If so they would be expecting someone to start at that time. They may well be wanting someone to start ASAP but we're going to wait 4 weeks for you. Many businesses work over Christmas period (possibly just the bank holidays off) so it's not stupid they want you to start then, rather than some unknown date in January... could be starting in 6 weeks or 10 weeks 🤷‍♀️

YNBU hoping they'll keep the job open, but they're NBU if they don't.

This seems very odd. 3 months is a pretty common notice period; 1 month is absolutely standard. And it’s the end of November…so surely the earliest you could start would be bang on Christmas, which nobody would normally want you to do anyway. So 2 January would seem like the earliest reasonable assumption for any new job. I can’t see that saying “oh, could it be 9 January as we are moving?” Could be seen as an outrageous request at all.

have you got a contract?
so then you hand in your notice, of 4 weeks,
when is the house move?

You are being unreasonable if the job is 'Christmas Elf' or similar.

Mind you, I hadn’t considered this scenario, @pastabest. In that case, the OP would indeed be very U…..🤣

OP is the position permanent? You need to ask the mortgage adviser to check with the lender as most are fine with a change of jobs if it is permanent and same or higher salary. Or you could, depending on your overall situation consider a lender switch depending how far into the process you are.

It could be the adviser is just wanting an easy life so fobbing you off as to be honest the fact they know you're changing jobs they're risking their license not disclosing this to the lender so I'd be cautious if I were you about trusting the adviser on this (Im a mortgage adviser!)

@WimpoleHat

This seems very odd. 3 months is a pretty common notice period; 1 month is absolutely standard. And it’s the end of November…so surely the earliest you could start would be bang on Christmas, which nobody would normally want you to do anyway. So 2 January would seem like the earliest reasonable assumption for any new job. I can’t see that saying “oh, could it be 9 January as we are moving?” Could be seen as an outrageous request at all.

THIS!!!!! Exactly the situation I am in. I'm really struggling to understand what is so "disappointing" about my situation. I'm not leaving them hanging by months. It is a matter of weeks, of which most are over the Christmas period anyway so unlikely to have ever started the new role anytime before then.

@Griefmonster

I'm a bit confused about your FA advice though... If you don't start your job will you not be unemployed otherwise?! It feels like something doesn't add up.

Forget moving, what is your current work situation and when are you due to leave?

Exactly this, you need to press your adviser for more answers - PM me if you like and I can give you more information

It's not a problem. Some Lenders will lend on a contract and future start date.

Some lenders will want you to have started the job and first payslip to lend.

It just means more work for your broker.

If you're on more money I'd start the job sooner!

I really think it's that you simply haven't given a firm date, not how far in advance that date is.

To them it looks like you are not committed to the job and might be holding out for another offer.

You need to give them a firm date

@conceptionisdraining

OP is the position permanent? You need to ask the mortgage adviser to check with the lender as most are fine with a change of jobs if it is permanent and same or higher salary. Or you could, depending on your overall situation consider a lender switch depending how far into the process you are.

It could be the adviser is just wanting an easy life so fobbing you off as to be honest the fact they know you're changing jobs they're risking their license not disclosing this to the lender so I'd be cautious if I were you about trusting the adviser on this (Im a mortgage adviser!)

Thank you for your post xx

The new position is permanent with a higher salary. The mortgage adviser went down the route of "with a new job comes risk of new probationary periods so best not to change jobs until you've got the funds confirmed" - what do you make of this as a M.A yourself?

@pcofmushu I was in the same boat as you, the advice was to wait until I had the keys in my hand. While it’s highly unlikely the lender will check, they reserve the right to, right up until the last min. My new employer was fine about it though.

YANBU!! My DH did the same when we bought our house. If you started sooner you would have to disclose to your lender and they might withdraw the mortgage offer as a result!

You need to give them a start date, they'll need to work towards that. At the moment you've not told them when you can start.

Don’t scupper your chances of a mortgage. Jobs come and go but it could take you ages to get re-approved for a loan. Our broker said something similar.