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It is a common misconception that you need years of employment history with the same company to secure a loan. Many lenders are willing to consider your application as long as you have a signed contract and have started your role, even if you are still in a probationary period. We can help identify which specific banks are most comfortable with recent career changes to prevent unnecessary rejections.

A fixed-rate mortgage locks your interest rate for a set period, usually two to five years, giving you the certainty that your monthly payments will not change. A variable-rate mortgage can fluctuate based on the lender's standard rate or the Bank of England's base rate, which means your costs could go up or down.

Yes, being self-employed does not stop you from getting a mortgage, though you will generally need to provide more evidence of your income. Most lenders look for at least two years of certified accounts or SA302 tax overviews to calculate your average earnings.