UK mortgage new-job & probation criteria tracker

Probation

Permanent employment is required; its published salaried-income criteria say all probationary periods can be disregarded.

New or future job

No minimum time in current employment. Future employment income can be used where the job begins within the next 3 months and a signed contract evidences it.

Published evidence point

The same page publishes payslip and bank-statement requirements that vary by LTV.

Open lender-owned source

Probation

Its published residential criteria say an application can be considered during probation where employment has been continuous. It also says the reason for leaving previous employment must be established, or for a first appointment it needs confirmation of what the applicant did previously.

New or future job

For income from a new role, it asks for proof of continuous employment plus proof of the new position and salary using a job offer or accepted contract. It may condition the mortgage offer on receiving the first payslip before funds are released.

Published evidence point

Published evidence points include the new job offer or accepted contract; the lender may also require the first payslip before releasing funds.

Open lender-owned source

Probation

Its published lending criteria say applicants in a probationary period are considered case by case, taking account of affordability and previous continuity of employment.

New or future job

The cited criteria do not publish a separate general pre-start employment route, so none is inferred here.

Published evidence point

Beverley says income is verified in all cases and that applicants must evidence income and their track record of maintaining existing credit arrangements.

Open lender-owned source

Probation

Its current intermediary criteria say probationary periods can be considered subject to a detailed rationale outlining the risks and mitigations.

New or future job

The cited criteria do not publish a separate general future-start employment rule, so this row does not infer one.

Published evidence point

The lender manually underwrites cases and publishes separate continuity requirements for temporary, fixed-term and other contract types.

Open lender-owned source

Probation

Its published intermediary criteria state that employed applicants have no minimum time in employment; the cited page does not set a separate probation minimum.

New or future job

No minimum time in employment is published for employed applicants. The cited page does not publish a separate pre-start future-job rule.

Published evidence point

For employed income it publishes the latest 3 months' payslips or an employer reference/employment contract, with a latest full-month bank statement potentially also required.

Open lender-owned source

Probation

Its residential criteria say an applicant in probation may be considered where they were previously permanently employed for at least 6 months and are moving to a similar job.

New or future job

The cited employment section requires continuous permanent employment for the last 12 months, subject to its stated break allowance, and does not publish a separate future-start route in that section.

Published evidence point

The criteria page directs intermediaries to its separate acceptable-income and proof-of-income sections.

Open lender-owned source

Probation

Its criteria say employment during probation can be accepted where there is a track record of a similar position.

New or future job

Where an applicant is new to the role without an acceptable employment track record, Darlington says it seeks an employment reference and, where employed less than 6 months, will not offer until the reference confirms probation has been completed successfully and the position is permanent.

Published evidence point

The published criterion uses employment history and an employer reference to evidence permanency where the applicant is new to role.

Open lender-owned source

Probation

Its current probation criterion says applicants in probation may be considered where the role is similar to the one previously held, subject to underwriter discretion; a related criterion says the position should be permanent.

New or future job

Its pending-new-job criterion says it would not normally use income from a wholly new job before the applicant starts, but may consider it where the new job is in the same line of work or the same role at a new employer.

Published evidence point

The published criteria are explicitly framed as potential acceptance under manual underwriting rather than an automatic outcome.

Open lender-owned source

Probation

Income can be used where probation forms part of a permanent employment contract; a contract that is only probationary is treated differently in its published criteria.

New or future job

Its criteria say income from a new permanent job can be used immediately.

Published evidence point

Where the new income is not yet on the latest payslip, its published criteria say the contract or a letter confirming employment can be used.

Open lender-owned source

Probation

Its published Income Flex table says probation is not accepted under standard policy, while Income Flex can consider borrowers where the new and previous roles are similar or the borrower has been promoted.

New or future job

The cited Income Flex table does not publish a general pre-start future-job rule, so none is inferred here.

Published evidence point

The lender presents the distinction as product-specific criteria and says all lending criteria remain subject to full underwriting assessment.

Open lender-owned source

Probation

Its intermediary FAQ says income from a customer who has recently started a new job can be considered. It asks whether the customer is in probation, the length and time remaining, and also considers employment track record, career gaps or career changes.

New or future job

The published FAQ expressly says recently-started-job income can be considered. It does not state a general pre-start acceptance rule on the cited FAQ, so none is inferred here.

Published evidence point

It says evidence will usually be a combination of payslips, bank statements, P60s, tax returns and an employment contract or job-offer letter.

Open lender-owned source

Probation

Its current residential criteria say it can consider applicants who have not yet passed probation and who have been in their current job for less than 3 months.

New or future job

The cited criterion covers applicants already in a very new role; it does not publish a general pre-start future-employment rule, so none is inferred.

Published evidence point

Kensington says these applicants are assessed on overall employment history and need to evidence the last 12 months of employment history.

Open lender-owned source

Probation

Its residential criteria say applicants in probation are acceptable where they are in like-for-like employment with no gap in employment. Above 80% LTV, probation must normally be completed.

New or future job

The cited employment-status section does not publish a general pre-start future-job rule.

Published evidence point

The lender ties the published probation treatment to continuity, job similarity and LTV, with referral where a probation period exceeds the standard 6 months.

Open lender-owned source

Probation

Its employment-income criteria say it will consider clients working in a probation period.

New or future job

For clients one month or less into a new job it publishes payslip, open-ended contract or employer-letter routes; it also says it will consider a different-employer job starting within 3 months of application.

Published evidence point

For a future start within 3 months it asks for a signed open-ended employment contract or an employer letter of appointment.

Open lender-owned source

Probation

It says a customer in a probationary period can be considered provided they meet its minimum employment-length requirement.

New or future job

Its employment-length criteria require 6 months' continuous employment, with no break of more than 3 weeks between employments, subject to the exceptions it publishes.

Published evidence point

Its Income and Packaging guidance says the portal determines the exact proofs required and that probationary periods can be considered.

Open lender-owned source

Probation

Its current criteria say standard employed applicants need 6 months' continuous employment, while applicants who have started a new job or are in probation can be considered with Pepper Flex.

New or future job

The cited criteria expressly cover applicants who have already started a new job through Pepper Flex; they do not publish a general pre-start future-job rule.

Published evidence point

The employed-income section publishes payslip requirements. Its Pepper Flex exception carries an additional completion fee of £1,000–£2,500 on top of the product completion fee, depending on the case. This is not a standard-fee route.

Open lender-owned source

Probation

Its full lending criteria state that employed applicants must have been in permanent employment for the last 3 months; the cited section does not publish a separate general probation exception.

New or future job

The general employed-applicant rule requires 3 months' permanent employment. Separately, its medical-professional criteria say newly qualified medical students should provide an offer letter confirming start date and salary.

Published evidence point

For employed applicants it publishes recent payslip and bank-statement evidence requirements alongside the 3-month permanent-employment rule.

Open lender-owned source

Probation

The cited employed-income section does not publish a separate probation exception. It states that employed applicants must be in continuous employment for at least 6 months.

New or future job

The same published section sets a 6-month continuous-employment requirement for employed applicants, so this row does not infer a separate very-new-job or pre-start route.

Published evidence point

Its A-Z criteria say permanent basic income is accepted and place employed income inside the lender's current affordability and underwriting rules.

Open lender-owned source

Probation

Its standard mortgage criteria say permanent employment can be accepted within a probation period, excluding temporary-to-permanent arrangements.

New or future job

For other applicants commencing new employment, it says completion can be up to 2 months before the role starts where the applicant is currently employed and affordability is reliant on the new salary; early-career teachers have a separately published route.

Published evidence point

For permanent employment it publishes payslip evidence where available plus a signed contract or employment-confirmation letter; future-income cases require evidence of the new role.

Open lender-owned source

Probation

Its current criteria say probation is acceptable but completion normally waits until probation is complete; where the applicant changed jobs within the same profession and has history in that field, completion can take place during probation.

New or future job

Its pending-new-job criterion says salary can be accepted with evidence of the new offer of employment, but completion cannot take place until the first salary is received and any probationary period is completed.

Published evidence point

The lender expressly asks for evidence of the new employment offer for pending-job income.

Open lender-owned source

Probation

Its current residential lending criteria say a probationary period can be considered subject to the underwriter's discretion.

New or future job

The cited criterion does not publish a separate general future-start employment rule, so none is inferred here.

Published evidence point

The probation statement is explicitly discretionary rather than an automatic acceptance rule.

Open lender-owned source

Probation

Its residential income criteria say probation, or less than 6 months in the current job, is acceptable where the customer has a permanent contract and has received the first payslip.

New or future job

The cited probation/income section does not publish a separate pre-start employment route.

Published evidence point

The same published criterion requires a permanent rather than short-term contract and receipt of the first payslip for this probation/new-job scenario.

Open lender-owned source