Fifth of home buyers stay in toxic jobs to save deposit, survey finds

22% of first-time buyers (FTBs) said they stayed in a toxic job longer than they wanted to in order to save for a deposit, according to data from Mojo Mortgages. 

Its First-Time Buyer Sentiment Survey 2026 found that 19% delayed expanding their family to save for a home, while 16% said saving for a deposit caused more arguments with their partner.

Kayleigh Jackson, mortgage sales manager at Mojo Mortgages, said: “The fear of losing financial stability or disrupting a deposit fund is, for many, outweighing their own professional wellbeing. 

“It’s a trade-off that speaks to the immense psychological pressure of trying to buy in today’s market.

“No one should feel forced to choose between their mental health and their dream of homeownership.”

Jackson added: “If you are feeling trapped in a toxic role, remember that a career move doesn’t automatically ruin your mortgage chances. 

“Speaking to a mortgage advisor early on can help alleviate this immense pressure. 

“An advisor can look at your specific situation, help you understand how different lenders view job changes or probationary periods, and map out a financial plan that protects both your peace of mind and your property goals.”