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Mortgage & Equity Release - Call Us 0117 313 7780

What is your mortgage for?


1.44% 5 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 3.20%
  • Interest only option

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 5 years after which reverts to NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

1.34% 2 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 3.20%
  • Interest only option

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 2 years after which reverts to NatWest variable rate of 3.59%.

Call RBS on 0800 068 7706

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Mortgages for New Jobs

Our Mortgage Service - helping you make the right decision

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

Right Bullets

Get top mortgages for new jobs

If you have just started a new job, you may be considering getting a mortgage deal as well - perhaps because you need to relocate for your new role. Whether it’s your first role out of university as a new graduate, or a long-awaited career move, having a new job can sometime present a challenge when it comes to finding the right mortgage deal.

Is this your first mortgage?

With the introduction of the Help to Buy scheme, first time buyers could find mortgages requiring a deposit of as little as 5% of the property value. However, even if you are eligible for the Help to Buy scheme, there could be other points that stand in your way to getting a good mortgage deal for a new job, including:

  • Lack of a sufficient deposit - for people who are new to the workplace, even a deposit of 5% may be beyond their means
  • No credit history – if you are young and have not been working for long you may have little in the way of credit history for lenders to base their decision on
  • Outstanding overdrafts and credit card debt – of course, if you weren’t too careful with money at university, you could face the opposite problem to the one above, and be struggling to pay off debts you gained at university on top of your student loan
  • You may be due to move to a new area to begin a graduate placement or a new job, but not yet have any income to show for it – if you intend to buy a property in your new location, this may present an issue when approaching mortgage lenders.

So what are the options for getting mortgages for new jobs?

Some mortgage lenders may offer special deals for people who are starting out in a professional trainee scheme – for example, a graduate training scheme as a solicitor, accountant or other recognised professional career path. They may be willing to lend to you based on your job offer and your projected income over the next few years. However, this can be very difficult to secure.

An alternative option is to look for a guarantor mortgage. This type of mortgage requires that you can get a willing person, usually a relative, to act as a guarantor for the mortgage amount. Your guarantor will need to be a homeowner themselves, and will need to be capable of showing that they could meet your mortgage repayments if necessary, in addition to their existing financial commitments.

The guarantor offers the bank financial security because they become responsible for the mortgage repayments should you fail to meet them. For this reason, a guarantor mortgage is not an arrangement to be entered into lightly by either party. Our team of specialist mortgage advisors can help you to decide if a guarantor mortgage option might be right for you.

Are you moving home and moving job at the same time?

Even if you already have a mortgage, starting a new job may cause a few hiccups along the way when it comes to proving your income. This may especially be the case if you are changing the type of work you do – for instance, if you are moving from employment to freelance or consultancy work.

Usually, mortgage lenders will require both relevant payslips and P60s for employed people, or up to two or three years’ worth of business accounts for self employed people. However, some mortgage lenders may be prepared to offer you a mortgage deal based on your projected new income – it pays to shop around to find the best deal when getting a mortgage with a new job, even if you are a seasoned home owner. 

Our independent whole of market mortgage team can help you to locate the right mortgage deal for you – call us today on 0117 332 3389 or To speak to one of our mortgage advisers click here »

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