Mortgage company employer checks?

[MissWimpyDimple]

When you get a mortgage, at what point is your income checked? Is it when you first apply (before finding a specific house) or when you actually find the house and have the offer accepted etc?

In any case do they check if you are about to get your contract terminated? I.e you have been let go but are currently on gardening leave.

What happens if you don't tell them you have no longer got the job and lead them to believe you are still in the same employment?

I assume the situation is confirmed by the soon to be former employer and they don't make a mortgage offer.

How will you pay the mortgage if you don't have an income?

I don't think they check specific salary details etc as they can see from your pay slips / bank statement. However they may speak to your employer to check you work there. I was working notice when applying and had to give all new employers details, probation period etc. it did limit who would give us a mortgage, but had to declare it as mortgage provider may well speak or write to your employer.

They will request a reference when you apply for the actual mortgage, so when you have had an offer accepted. When you sign the paperwork at exchange you are then effectively agreeing that at that point in time all the details are accurate so I'm guessing you might technically invalidate your agreement if you lost your job in between.

However, if you choose to hand your notice in the day after completing there's not much they can do.