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Does a period of unemployment affect a mortgage application?

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In August last year my partner lost his job, but was successful in November at securing another one. How is this likely to affect our chances of securing a mortgage? Despite being first-time buyers we have managed to pull a decent-sized deposit together, but the recent unemployment status of my partner could add a new risk element. SH

A If your partner is still in a trial period with his new employer it will affect your ability to get a mortgage, assuming you want the loan to be based on both your salaries. However, once he has completed any trial period and is confirmed as a permanent member of staff you should have no problem getting a mortgage. And you are right in thinking that having a decent-sized deposit will be a great help too.


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