Starting a family is one of life’s biggest milestones. Between planning, preparing, and adjusting to a new chapter, your mortgage might be the last thing on your mind – but it is something worth thinking about.
Many homeowners aren’t sure whether they need to inform their mortgage broker about a pregnancy or plans to expand their family. The answer depends on your circumstances, and understanding your options early can give you peace of mind and better financial stability.
Here’s what you need to know.
Do I Legally Need to Tell My Broker I’m Pregnant?
The short answer is: no. Pregnancies do not need to be declared to a mortgage broker or lender, and legally cannot be used as a reason to refuse a mortgage.
However, if your income or household finances will change, for example, going onto maternity pay, shared parental leave, or reducing working hours, then you should update your broker so they can ensure your mortgage remains affordable and appropriate.
Why Informing Your Broker Helps You
Being open with your broker isn’t about permission – it’s about planning.
1. Your affordability may temporarily change
If maternity or paternity leave will reduce your household income, your broker can:
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Check whether your current mortgage product still suits you
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Review whether you’ll remain comfortable with repayments
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Explore remortgage deals that may lower payments if needed
2. You may want more financial breathing room
Many families prefer to reduce monthly outgoings while adjusting to life with a newborn. A broker can compare rates, extend mortgage terms, or help you switch products to give you extra flexibility.
3. Future plans could affect the type of mortgage you choose
If you’re planning more children in the next few years, your broker may recommend fixed-term stability, a tracker mortgage with flexibility, or options that avoid early repayment charges.
When Should You Tell Your Broker?
You don’t need to announce a pregnancy early unless you want to. Most people choose to update their broker when:
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They begin maternity/paternity leave
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Their income is due to change
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They’re planning a remortgage
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They’re reviewing their financial plans ahead of the baby arriving
The key is telling your broker before you commit to a new mortgage deal or product, so they can run affordability checks based on accurate numbers.
Will My Mortgage Application Be Affected?
Lenders cannot discriminate based on pregnancy or parental leave. What they can assess is your long-term income. If you can show:
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A return-to-work date
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Your expected post-leave salary
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Evidence from your employer confirming your position
…then you can still be approved for a mortgage while on maternity or shared parental leave.
The Bottom Line
You don’t need to tell your mortgage broker you’re starting a family – but doing so at the right time helps protect your financial well-being. A good broker will guide you through the best options, support your long-term goals, and ensure your home remains affordable, comfortable, and secure for your growing family.
If you’re planning a family and want personalised mortgage advice, Your Mortgage Shop is here to help every step of the way.
