Mortgage Before DH Starts Job

[FindlaySC]

Hello,

We are about to relocate for DH's new job after graduating. I work full time and will be starting a new job when we move. We've saved up a deposit and would like to buy our first house/flat as soon as we can.

Does anybody know whether we would be able to get a mortgage with firm job offers or will we need to have been working a minimum amount of time before they will lend to us? No probationary periods.

We are familiar with where we are moving to so don't really feel the need to rent whilst we explore the area.

It will make your life more difficult if you only have job offers. A job offer could be revoked at any time. I suspect you'll have serious difficulty.

A lot of mortgage companies will accept proof of employment by way of a contract so assuming you start to work as soon as you get there you may be ok, if it’s iust an offer they are unlikely to lend

Why not ring up the lender and ask?

Thank you for the advice, really helpful. We’ll probably use a broker and they will hopefully know which lenders would be useful.

Day one in new job is possible; 3 months B4 commencing with employment Contract is possible; Education Positions quite easy.
fee free whole of the market advice.

Whenever I've inquired in the past, the lender always wanted at least 6 months in the job and a permanent contract.

If you find a lender that will approve you sooner, it is likely to be a niche product that's a lot more expensive than other mortgages. So I'd say do your research but do think twice about the amount of extra interest you'll need to fork out for with a non-standard mortgage.

London and Country (brokers) found us one with Halifax when we were in a similar position but it was a very small mortgage and they were the only lender who would. So difficult but not impossible!