Starting a new job is exciting, but if you’re on probation, you might worry it could derail your dream of owning a home. The key question many people ask is: Can you get a mortgage while on probation in Ireland?
The short answer is: Yes, you can — but it’s tricky and can be challenging. Many Irish lenders view probation periods as added risk because your employment isn’t fully confirmed. However, with the right preparation, strong supporting documents, and guidance from an experienced mortgage broker, you can improve your chances of getting mortgage approval while on probation in Ireland.
In this guide, we’ll explain what probation periods really mean for mortgage applicants, why lenders are cautious about lending to people on probation, the factors they consider, and practical tips to help you secure that all-important approval while on probation.
What is a probation period, and how does it affect mortgage applicants
Let’s start with the basics: What is a probation period?
In Ireland, it’s standard for new employment contracts to include a six-month probationary period, during which your employer can terminate your contract with minimal notice. It’s essentially a “trial run” for both employer and employee.
From a lender’s perspective, this means your income is less secure, at least in theory.
But here’s the good news: Being on probation doesn’t automatically disqualify you from getting a mortgage. It does make the process more complex, and you’ll need to provide stronger evidence of your long-term stability and finances.
Tip: If you’re wondering “can I get a mortgage while on probation at work?” — the answer depends on your circumstances. Working with a broker who understands banks that will give mortgages to people on probation can make a big difference, especially if you plan to switch your mortgage later or need flexibility down the line.
Why lenders are cautious about probationary employment
When applying for a mortgage while on probation in Ireland, it’s important to understand why lenders tend to be cautious. Lenders are in the business of managing risk. When they see a probationary period on your employment contract, they worry that:
- You might lose your job before the mortgage drawdown is complete.
- Your income is not yet seen as “proven” from the lender’s perspective.
- If you can’t make repayments, the lender may face financial losses.
It’s not that they don’t trust you personally. They just want to see stability and banks are simply managing their risk and prioritising evidence of stable employment.
If you’re worried about switching jobs during a mortgage application, you might want to read our guide on changing job before mortgage completion.
Key factors lenders consider for mortgage approval while on probation in Ireland
Just because you’re on probation doesn’t mean your application is doomed. Irish lenders look at the bigger picture. Here are the key factors:
- Type of employment: Permanent jobs with standard contracts are preferred.
- Industry and role: High-demand sectors (healthcare, tech, education) can be seen as lower risk.
- Duration in role: Even if you’re on probation, time served helps—some lenders may be okay if you’re already 3–4 months in.
- Letter of confirmation: Some employers will confirm in writing that they intend to keep you after probation. This can carry weight with lenders.
- Financial stability: Strong savings, minimal debts, and a good credit history all help offset the risk.
- Deposit size: A larger deposit lowers the lender’s exposure and can make them more flexible.
Want to see how much you might be able to afford? Try our guide on how much can I afford to pay for a house.
Getting a mortgage while on probation: Practical tips
So—how do you improve your odds of getting a mortgage on probation? Here are practical steps to improve your chances:
✅ Provide a strong employment reference
Ask your employer for a letter confirming your job title, salary, and the likelihood of your permanent contract being confirmed after probation.
✅ Save a larger deposit
The bigger your deposit, the more attractive you look to lenders.
✅ Use a broker
A mortgage broker can be invaluable, a good broker knows which banks will give mortgages to people on probation and which won’t even consider it. If you’re wondering about going through a broker or applying directly to a bank, it is worth reading about the benefits of using a mortgage broker in situations like this.
✅ Be transparent
Never try to hide the fact that you are on probation from your lender. Be upfront, it’s better to explain your situation clearly than to get tripped up later.
Can I switch mortgage on probation?
This is a common question: Can I switch mortgage on probation?
The short answer? It depends on the lender.
Switching mortgages usually involves a new affordability and employment assessment. Some banks will want you to have completed your probation period before approving a switch. However, others may be flexible if you can prove strong income history, a solid credit profile, and if you’re well into the probation period with a letter of reassurance from your employer confirming your likely permanency.
Working with a broker can be extremely helpful here. They will know which lenders might give mortgages to people on probation and how best to structure your application if you are hoping to switch.
Drawing down a mortgage while on probation: Is it allowed?
Many borrowers wonder if drawing down a mortgage while on probation is even possible. The answer, again, it depends on the lender’s policy.
Some lenders will grant mortgage approval in principle but require you to have passed probation before drawing down the funds. Others might release funds if you’re close to completing probation with a strong employer reference letter confirming your role is likely to be made permanent.
It’s always best to clarify the lender’s exact policy early in the process. And remember: the timeline of approval and drawdown matters. Check out how long does it take to get a mortgage approved for planning tips.
How MortgageLine can help you get a mortgage while on probation
Tailored support for applicants on probation
At MortgageLine, we understand that getting a mortgage while on probation can feel like an uphill battle. But you don’t have to do it alone.
We know which lenders will consider probationary employment—and what they need to see. We’ll help you:
- Gather the right documentation (see our guide on documents required for a mortgage)
- Advice on securing employer letters
- Strategies for deposit savings
- Match you with the right lender for your circumstances
We’re here to make the complex simple—and give you the best chance at approval.
Ready to talk about your options? Contact us today for a free mortgage review call and find out how we can help you get mortgage approval—even while on probation.
Frequently Asked Questions
How long do you have to be in a job to get a mortgage in Ireland?
Lenders generally prefer 6–12 months in a permanent role. But with strong overall finances and the right approach, probation doesn’t always rule you out.
What is the minimum employment period for a mortgage?
There’s no universal rule. Some lenders want you out of probation; others may consider you after a few months in the role if you have other strong factors.
Can you get a mortgage on a temporary contract in Ireland?
It’s harder, but possible. Lenders will scrutinise your contract terms, income history, and overall financial profile. They’ll want proof you can meet repayments, if for instance, your contract is not renewed.
