Changing Jobs During a Mortgage Application: What You Absolutely Need to Know in 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!