01 · Key points
What matters for this topic
Document career continuity
Distinguish probation from a fixed-term contract
Include a second income
Document equity and reserves
Select banks with suitable criteria
02 · Context
Probation is not a fixed-term contract
A permanent employment contract with probation differs from fixed-term employment. Assess them separately and present them accurately to the bank.
03 · Context
Career continuity helps
Changing employers while keeping the same role and sector may show a more consistent income outlook than a complete career change.
04 · Context
Prepare alternatives
Depending on the property and timing, it may make sense to wait until probation ends, obtain conditional financing confirmation or approach lenders with more suitable criteria.
05 · Be prepared
Points you should not underestimate
- Submitting only part of the employment contract
- Overlooking a fixed term
- Changing sectors without explanation
- Basing financing on expected future income
06 · Documents
Commonly required documents
The documents actually needed depend on the lender, your plans and personal circumstances. The following are often useful for preparation:
07 · Practical example
What an assessment might look like
An employee changes employer after many years in the same profession and is still on probation. Continuity, pay progression and a second household income may be assessed differently from a complete career change.
This example is illustrative only and is not a mortgage commitment or quotation of terms.08 · Frequently asked questions
Questions about Mortgages during probation
Do all banks reject applicants on probation?+
No. Criteria vary. The overall professional and financial situation is decisive.
Does a co-borrower help?+
A stable second income may improve affordability but does not remove the need for assessment.
What about fixed-term employment?+
Contract length, sector, renewal prospects and career history become especially important.
Important information
The information on this page is general. It does not replace individual mortgage, legal or tax advice and is not a binding credit commitment. Requirements and terms are assessed individually.