Definition
Under Quebec employment law, the probationary period is the initial period of employment where the employer evaluates whether the employee suits the position. It typically lasts 3-6 months.
Mortgage impact: a borrower on probation has a higher job loss risk. A-lenders react differently based on the profile:
- **Industry change**: high risk. A-lenders often require end of probation and a permanent confirmation letter. - **Same industry, similar new position**: moderate risk. Some A-lenders accept with a clear employment letter and no other risk signals. - **Internal promotion**: low risk. Generally accepted with an updated employment letter.
Strategy: if possible, delay the mortgage application until probation ends. If not, document as much as possible: detailed employment letter, guaranteed salary confirmation, stable career history.