Posted Date: 24/11/2025
If your mortgage application has been declined, it’s natural to feel disappointed especially if you’ve worked hard to get everything in order. One reason lenders may say no is when there are gaps in your employment history.
Why It Matters
Lenders review your income to assess how stable and consistent it is. Periods without employment can make it harder for them to predict ongoing affordability. This doesn’t mean you can’t get a mortgage but it may lead to extra questions or requests for more evidence of income.
Moving Forward
If you’ve had a break in employment, it can help to explain the reason clearly and provide recent proof of stable income. Waiting a few months after returning to work can also strengthen your application.
At Muuvin Mortgages & Protection, we offer a no-obligation call to help you understand why your mortgage might have been declined and what steps could help you move forward. You can also view more information about mortgage applications on our dedicated page: When the Broker Says No.
Will a short employment gap stop me from getting a mortgage?
Not always, it depends on the lender and your overall financial situation.
Do lenders check my employment history?
Yes, they usually review at least the past two to three years of income and employment details.
Should I wait before reapplying?
It can help to have at least a few months of consistent employment before submitting a new application.
Disclaimer
Your home may be repossessed if you do not keep up repayments on your mortgage.
This article is for general information only and should not be taken as advice. Mortgage applications are subject to status and lender criteria. The information provided is correct as of the date it was posted and may be subject to change without notice.
