Posted Date: 20/10/2025
For many buyers, especially those who are self-employed, on a fixed-term contract, or in a new role, a lender’s “no” can come as a surprise. Employment type plays a big part in how lenders assess applications, and sometimes this is the reason a mortgage isn’t approved.
Why Employment Matters
Lenders generally want to see stability in income. If you’re self-employed, they may ask for additional proof of earnings. If you’ve just started a new job or are still in a probation period, they may wait until your position is confirmed. This doesn’t mean you can’t get a mortgage, only that the application process can vary depending on your circumstances.
Finding a Way Forward
Understanding how your job status is viewed helps you prepare the right documents and explore lenders who may look at your case differently. At Muuvin Mortgages & Protection, we can guide you through this process. To learn more, you’ll be able to view our dedicated page on this topic: https://muuvin.co.uk/when-brokers-say-no/
Can I get a mortgage if I’m self-employed?
Yes, though lenders usually base affordability off taxable earnings rather than turnover.
Will a probation period stop me from getting a mortgage?
Not always. Some lenders are comfortable as long as the role is permanent after probation.
What if I’m on a contract rather than permanent employment?
It depends on the type and history of your contract, but options may be available.
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.
