Expecting a baby is an exciting time, but it can also raise many financial questions. One topic we are often asked about is whether it is possible to get a mortgage while pregnant or during maternity leave.
Find out more in our episode, “Getting a mortgage while expecting a baby or on maternity leave” on Home Made By The Lathams here.
The short answer is yes. Lenders do not discriminate if you are expecting a baby or currently on maternity leave. However, lenders are responsible for ensuring that a mortgage is affordable both now and in the future. That means they may need to understand how your financial circumstances could change once your baby arrives.
In our YouTube video, and below, we explain how mortgage lenders assess applications during pregnancy or maternity leave and what you should consider when planning a move or remortgage.
Can you get a mortgage while pregnant?
Yes, you can apply for a mortgage while pregnant in the UK. Lenders cannot refuse a mortgage simply because you are expecting a baby.
However, they will assess your income, outgoings and future affordability in the same way they would for any borrower. If your income or expenses are likely to change after the baby arrives, the lender will need to understand those details before approving the mortgage.
This is why clear communication with your broker and lender is essential.
Applying for a mortgage while on maternity leave
It is also possible to get a mortgage while you are on maternity leave, but lenders will normally want confirmation of:
- Your current maternity pay
- Your expected return to work date
- Your salary when you return to work
- Whether you plan to return full time or part time
Most lenders will accept your pre maternity salary for affordability calculations if your employer confirms that you will be returning to the same role and income level.
If your hours or salary will change when you return, that will need to be factored into the affordability assessment.
How a new baby can affect mortgage affordability
While lenders do not discriminate against parents or parents to be, they do need to assess whether your mortgage will remain affordable.
A new baby can introduce additional costs, including:
- Childcare or nursery fees
- Reduced household income during maternity leave
- Changes to working hours or employment
- Increased household expenses
These factors may impact how much you can borrow or the timing of a property move.
Our personal experience of having children and mortgage planning
In the video, we also reflect on our own experience of becoming parents. When we had twins, our financial circumstances changed significantly. Childcare costs alone were substantial. At the time, moving to a bigger property was something we paused on. That decision allowed us to focus on our family and manage our finances in a way that felt comfortable and sustainable.
Every family’s situation is different, but being realistic about your plans is important.
Upsizing your home when starting a family
It is very common for growing families to consider moving to a larger property. More space, additional bedrooms, and outdoor areas become a priority once children arrive.
However, upsizing usually means a larger mortgage. Your plan needs to work not just for today but for your future lifestyle as well.
This is why open conversations between partners are important. Being clear about your financial goals, priorities and expectations will help you decide the right timing for a move.
When is the right time to move house with a baby on the way?
Timing can play a big role in these decisions.
Some families prefer to move before the baby arrives, while others decide to wait until life settles into a routine. In some cases, clients choose to delay a house move until government childcare support begins, which can ease household finances.
There is no single right answer. It depends entirely on your circumstances, income and long term plans.
Planning ahead for your mortgage
Whether you are planning a family, expecting a baby, or currently on maternity leave, having a clear financial plan is incredibly helpful.
Some households return to work full time after maternity leave. Others reduce hours, change jobs, job share or take a longer career break. All of these choices can influence mortgage affordability.
Speaking to a mortgage broker early allows you to understand your options and make informed decisions about timing.
How we can help
At Zita Latham Mortgages, we believe mortgages are about people and real life circumstances. Starting a family is one of life’s biggest milestones, and your mortgage should support your lifestyle rather than create unnecessary stress.
If you are expecting a baby, currently on maternity leave, or planning a house move as your family grows, we are always happy to guide you through the process.
📺 Watch the full video here:
https://youtu.be/kYLBqfjC-bE
You can also download our free budget planner to help map out your finances:
https://linktr.ee/zitalathammortgages
Or get in touch with us directly:
info@zitalathammortgages.co.uk
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