Changing Jobs During a Mortgage Application: What You Absolutely Need to Know in 2025
Planiprêt
Jun 06, 2025
You received an enticing job offer while in the middle of the home buying process? Congratulations! But be careful: changing jobs at this precise moment can jeopardize your mortgage approval.
Why is it risky?
When you apply for a mortgage, financial institutions assess your financial stability. One of the key elements of this assessment is your current employment. If you change jobs along the way, even for a better-paying position, it can raise red flags for the lender.
The problem with the probation period
Most new jobs include a probation period (often 3 to 6 months). During this period, your employer can terminate your contract without justification. For lenders, this represents an increased risk. Result: your mortgage approval could become conditional on the end of this period.
And if you are in the buying process, this can have serious consequences:
- The seller may cancel the purchase offer if your approval is conditional.
- You could lose your deposit or be sued for breach of contract.
- You may have to start the entire process over with a new lender.
Is it always an automatic refusal?
Not necessarily. Some lenders may show flexibility if:
- You stay in the same field of activity.
- Your new position is permanent and better paid.
- You obtain an employment letter without mention of probation.
But these cases are the exception, not the rule. It is therefore essential to consult your mortgage broker before making a decision.
What to do if an opportunity arises?
Here are some practical tips:
- Wait for the notary's signature before changing jobs.
- Negotiate an employment letter without a probation period, if possible.
- Notify your broker immediately if a change is planned.
- Keep all documents related to your new job (offer, contract, employment letter).
Real Testimonial (anonymized)
"My client had received an offer from a prestigious company, with a 20% higher salary. Unfortunately, the employment letter mentioned a six-month probation period. Result: the lender suspended the approval, and the seller withdrew the house from the market."
— Mortgage Broker at Planiprêt
To Remember
- A job change can delay or cancel your mortgage approval.
- The probation period is a critical factor for lenders.
- Talk to your broker before making a decision.
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Do you know someone who is in the process of buying and considering changing jobs? Share this article with them — you could save them a lot of headaches!
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