20/04/2026
Can I remortgage if my job has changed?
Yes — but it depends on your new situation.
There are usually 3 scenarios lenders look at:
• Still PAYE in a new job
• More variable income like zero-hour contracts or contracting
• Newly self-employed
Each one is treated differently when it comes to affordability and proof of income.
This is general information, not personal advice.
Your property may be repossessed if you do not keep up repayments on your mortgage.