Can I get a mortgage if I'm on maternity leave?



We would need to see a letter from your employer confirming that you are going back to work and you will need to send us a copy of your last payslip received before you started your maternity leave.

The letter from your employer must confirm the return to work date agreed and the conditions of your return to work.

What the mortgage lenders need to know in the letter:

  • Will your contract and responsibilities change on your return to work?
  • Will your salary change on your return to work?
  • Will your hours worked change on your return to work?
The amount that you can borrow will depend on the lender, some lenders will consider your full salary whilst on maternity leave and some wonโ€™t. Contact us for a personalised assessment.

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