Mortgage and length of employment

[MetalMidget]

My husband and I are hoping to move house before our son starts school. However, my husband is desperately unhappy at work and wants to look for a new job. We've heard that it can be more difficult getting a mortgage if one person has been working for a company for less than 1-3 years.

How much is it likely to impact on our ability to get a new mortgage if he's in a new job? Other considerations:

• We have no debt other than our current mortgage, which we took out 7 years ago

• I'm also in full time work, and have been at the same company for nearly four years.

• He's been at his current company for five years now

I don't know if rules have changed since DH and I got our first joint mortgage almost 6 years ago, I had a small mortgage on my flat and he owned his outright after paying off his flat a couple years earlier. He had been in his job for years but I'd been in my job for 18 months at that point, we had no problem at all getting a new mortgage, however, we did stick with the mortgage provider I had for my flat as they had the best deal out there so not sure if that made a difference.

I think mortgage providers do like you to have at least passed the probationary period in a new job - is more about secure employment (as secure as it can be these days).

Can you approach a couple of providers or a broker to ask?

Just remembered, my BIL changed jobs in September 2017, then he and my sister got a bigger mortgage and moved house in February this year. They had no problem getting a mortgage.

Definitely call up a provider or two or a broker of you're worried.

A staff member started with us in May and has got a mortgage, we had to write a letter to say he had passed his probation - usually that's 6 months but he's temped with us for well over a year so we've no concerns. I'm sure he said it's with NatWest

We got a mortgage in 2016 when I'd been in my job less than a year (no probationary period).

My other half had only been at his job 3 months (but no probation) it wasn't a problem

My last application required three months of payslips.

Nationwide don’t have a minimum time in employment, provided that it is permanent. Doesn’t matter if you are in a probationary period.
If I’m the job less than 3 months you’ll be asked for last payslip from previous employers too though.

Cheers all!