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Can someone explain to me how getting a mortgage works when you're relocating please?

6 replies

Creamcrackeredknackered · 01/03/2026 10:31

Sorry if this seems very simple to others but I don't know!
When I bought my first home, I got a mortgage and they wanted to see either 3 or 6 months of payslips to check affordability. All good, got the mortgage and have since paid it off fully. Now though I'll need a completely new mortgage rather than porting it.
Now we are thinking of moving to the other end of the country, how would getting a mortgage work? As obviously they could look at our payslips from our current jobs but we will be leaving them, and won't have payslips from a new job until after we've moved.
We would only need a 25% mortgage which would be around £355/ month / 30 years. Would it be possible to get that mortgage if we could show we have some savings to cover it for say a year, until we get work in our new location?
Thanks in advance.

OP posts:
DappledThings · 01/03/2026 10:36

You will get a mortgage offer based on your current job and the payslips from the last few months same as you did previously. If your new salary will be higher you could include your new contract or offer which shows your new salary.

Wolfpa · 01/03/2026 10:56

You will be asked if anything will be changing in your circumstances that may affect your ability to pay when you say you will be leaving your job they will not grant your mortgage as you will not meet their affordability criteria.

it would be best to get jobs secured before you move you may possibly have to go into short term rentals while you find a house.

or keep to the budget of the house you sell.

Creamcrackeredknackered · 01/03/2026 16:20

Thanks both.
Staying with DH's family for the first few months might be an option until we have proof of earnings.

OP posts:
Cosmication · 01/03/2026 16:34

I moved to a different part of the country. I didn't tell mortgage ppl I was planning to switch jobs. I can't remember if they even asked/checked but if they I did I said that I was able to WFH from the new location (sort of true in that I made it work for a few months with extremely long commutes and overnight stays before getting a new job once mortgage & house was all secured).

ElizabethsTailor · 01/03/2026 16:44

Do you have new jobs secured? If so, I would expect to she payslips from current job and job offer from new employer.

hollytheheroic · 01/03/2026 17:37

With remote working it's probably not checked as much now. But previously you would go on the job offer in the new location and salary, my employers would give you a letter saying what your start date and salary was.

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