{"id":9552,"date":"2024-11-06T01:05:58","date_gmt":"2024-11-06T01:05:58","guid":{"rendered":"https:\/\/www.nerdwallet.com\/au\/?page_id=9552"},"modified":"2024-11-06T01:05:59","modified_gmt":"2024-11-06T01:05:59","slug":"changing-jobs-affect-mortgage","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/au\/home-loans\/changing-jobs-affect-mortgage","title":{"rendered":"How Does Changing Jobs Affect Getting a Mortgage?"},"content":{"rendered":"\n

If you\u2019re considering a mortgage<\/a>, you may wonder how stable your job needs to be \u2014 and if changing jobs can affect approval. Whether you\u2019re employed full-time, planning a change, or just starting a new job, it\u2019s essential to understand the ways changing employment can impact your mortgage during the entire home loan process<\/a>.<\/p>\n\n\n\n

How job stability affects your mortgage application<\/h2>\n\n\n\n

When a lender hands over hundreds of thousands of dollars, they need to be supremely confident that you can pay off the mortgage over the next 20-30 years<\/a>. To be sure, they’ll assess eligibility for a home loan<\/a>, looking closely at your credit history, savings, and most importantly, your income stability and employment. <\/p>\n\n\n\n

Here are some things you can expect your lender<\/a> to consider when reviewing your employment history.<\/p>\n\n\n\n

How long you\u2019ve been at your current job<\/h3>\n\n\n\n

Each lender has their own criteria, but a \u201cnew job\u201d is typically considered somewhere between three months and two years. Ask your lender<\/a> about their minimum period for employment so you understand their criteria.\u00a0<\/p>\n\n\n\n

If you have been in your current role long enough to meet the minimum, your lender may want to see a more detailed employment history. Your credit history<\/a> will also be critical because it should reveal your ability to repay debt, which is important while changing jobs.\u00a0<\/p>\n\n\n\n

How regularly you change jobs<\/h3>\n\n\n\n

Frequent job changes could raise red flags, especially if it reveals a pattern of long periods with patchy income and lenders generally need evidence that you can afford to borrow the loan<\/a>. However, if you’re financially responsible and can demonstrate that through a great credit history and a healthy savings, how often you change jobs shouldn\u2019t really be a big issue. <\/p>\n\n\n\n

Remember, lenders are primarily interested in whether you can make repayments<\/a>. If one gives you a negative response, shop around and look for a new lender<\/a> before applying. There’s likely lots out there who want your business.<\/p>\n\n\n\n

How stable jobs are in your industry<\/h3>\n\n\n\n

Industry stability may become an issue if you are not in long-term permanent employment and your industry is in the midst of a downturn. In such circumstances, you may need to demonstrate how you can guarantee servicing your mortgage into the future, though every lender will obviously take these situations on a case-by-case basis. This also applies to applicants on a contract for 12 months, for example, if there aren\u2019t many prospects in your location when that contract ends.<\/p>\n\n\n\n

The nature of your employment<\/h3>\n\n\n\n

Lots of people that apply for mortgages are either self-employed, casual, part-time, have a casual role or do contract work, and lenders will often have their own requirements for each type of employment<\/a>. Again, it’s worth remembering that lenders only really care about having their loan repaid, and there are a number of products on the mortgage market in Australia for self-employed applicants<\/a>.<\/p>\n\n\n\n

\n

\ud83e\udd13<\/strong> Nerdy Tip<\/strong><\/p>\n\n\n\n

Already have a mortgage? The above points also apply when refinancing<\/a>, although your lender will likely have other considerations. For example, they will also take into account the equity you have built up in your property.\u00a0<\/p>\n<\/div>\n\n\n\n

Other options to consider<\/h2>\n\n\n\n

If your lender has an issue with any of the above points it doesn\u2019t necessarily mean your application is doomed, although it could place you in a far riskier category<\/a>, which means they\u2019ll only offer you a loan with worse terms and conditions, such as a higher interest rate or more fees and charges. <\/p>\n\n\n\n

Not all lenders require home loan applicants to have had their current job for 12 months, and there are no shortage of lenders who are willing to take on applicants with a poor credit history or a patchy employment record. However, be wary of what they have on offer. Waiting a few years to get a better deal could save you a lot of money<\/a> down the track.<\/p>\n\n\n\n

If you\u2019re unsure about what category you fit into, it always pays to talk to a mortgage broker<\/a> who should be aware of the types of mortgage<\/a> products that fit your situation. Additionally, if you have a guarantor<\/a> who is willing to vouch for your loan, your options will be much better.<\/p>\n\n\n\n

When changing jobs after mortgage approval is necessary<\/h2>\n\n\n\n

Changing your jobs after mortgage approval or pre-approval is not usually a great idea because your lender has based the application on your current employment and income status. Having said that, circumstances change and it may be necessary to change work at some point in the home buying process<\/a>, which could take the best part of a year or even longer.<\/p>\n\n\n\n

If you need to change jobs, here are some questions to ask yourself first.<\/p>\n\n\n\n

Can you wait until after settlement? <\/h3>\n\n\n\n

Waiting until after settlement<\/a> to change jobs would make things a lot easier. If, however, you need to leave your job beforehand, you definitely need to tell your lender immediately. Failing to do so means you could be accused of providing them with false information for your loan.\u00a0<\/p>\n\n\n\n

Have you already been pre-approved?<\/h3>\n\n\n\n

Just be aware, if you\u2019ve already been pre-approved<\/a>, been unconditionally approved or are still waiting to hear back from your lender, any change in your job status will delay the application. This could mean missing out on the property you took the loan out for in the first place because there are other buyers and the seller won\u2019t accept any delays.\u00a0<\/p>\n\n\n\n

The lender can always turn your application down, or they may revise the amount they are willing to lend you if your income falls or they don\u2019t see enough stability in your new position.\u00a0<\/p>\n\n\n\n

You may have to resubmit an application under these circumstances and the lender may apply their minimum period to the application. Under such circumstances you may need to wait a few months to resubmit an application.\u00a0\u00a0<\/p>\n\n\n\n

Is your new job better? <\/h3>\n\n\n\n

It\u2019s also worth noting that a lot of the time, hopefully the majority, a new job means more income, which your lender will regard as a definite plus.\u00a0However, if your income decreases or becomes less stable, you might need to wait a few months in the new role to reapply.<\/p>\n\n\n\n

Once again, having a good credit history<\/a> and an all-round record of financial stability should work to your advantage if you need to change jobs.\u00a0<\/p>\n\n\n\n

Did you quit?<\/h3>\n\n\n\n

If, on the other hand, you quit your job during the mortgage process, it is highly likely that the lender will terminate the application. You can still find lenders out there that are willing to take on such borrowers, but you\u2019ll need to be able to demonstrate your ability to repay the mortgage some other way and the terms and conditions will undoubtedly be harsh.<\/p>\n\n\n\n

Balancing career moves with mortgage goals<\/h2>\n\n\n\n

Balancing a career change with the immediate demands of getting a mortgage together is difficult and requires careful planning. Ultimately, you\u2019ll need to decide what is more important to you. Do the benefits of switching jobs outweigh the potential impact on your mortgage application, especially if it\u2019s your first home?<\/p>\n\n\n\n

If you\u2019re thinking about changing jobs or your employment status after submitting a mortgage application, waiting until your mortgage is finalised \u2014\u00a0or at least closely communicating with your lender \u2014\u00a0may make things a lot easier.<\/p>\n\n\n\n

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\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tAlan Hartstein<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Alan Hartstein has worked in publishing for over 25 years as a writer and editor across broadsheets, tabloids, magazines, trade publications and numerous forms of digital content. Alan was initially…<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tRead more about Alan Hartstein and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t

\n\t\t\t\t\t

\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t
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\n
\n\t
\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tHow To Increase Borrowing Capacity: 12 Tips\t<\/a>\n<\/h4>\n\n\t
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Knowing how to increase borrowing capacity for a home loan can help you get a larger mortgage from your lender. Here’s 12 tips to get started.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Alan Hartstein<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
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\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
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\n\t\n\t\tHow Do Non-Bank Lenders Work?\t<\/a>\n<\/h4>\n\n\t
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Non-bank lenders have a credit licence and offer products like loans and credit cards. They can’t operate as a bank and accept deposits.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Aaron Bell<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"7\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\t7 Tips For Home Loan Approval\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Applying for a home loan? These tips for home loan approval may help you boost your odds of approval. Here’s what to know.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Alan Hartstein<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
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\n\t\n\t\tHow To Negotiate A Better Home Loan Rate\t<\/a>\n<\/h4>\n\n\t
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Know what competitors are offering, ensure you meet all eligibility criteria, and enlist the services of a mortgage broker, if necessary.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Alan Hartstein<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"

If you\u2019re applying for a mortgage, job stability is key. Here\u2019s what to know about how changing jobs could affect your application.<\/p>\n","protected":false},"author":4,"featured_media":9553,"parent":171,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[7],"topic":[278],"cluster":[339],"pp_author":[94],"acf":[],"apple_news_notices":[],"yoast_head":"\nHow Does Changing Jobs Affect Getting a Mortgage? - NerdWallet Australia<\/title>\n<meta name=\"description\" content=\"Applying for a mortgage with a new job, or contemplating a switch mid-application? 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