We do not lend to most full-time students.

If you are a PhD student receiving stipend income, we can offer a bit more flexibility. In order to proceed, we would need to refer this to our Underwriters (the team who assess our applications.) It would help us to know more information about your course and future career plans.

To see if this is something we can look at for you, reach out to us on live chat. This can be found on the bottom right-hand side of our website.

I work while studying, am I eligible for a mortgage?

If you are in full-time education, you are classed as a full-time student. (Even if you're working alongside your studies.)

I receive money from bursaries, student loans & grants, can this be considered as income?

Unfortunately, we would not accept the above forms of student finance as eligible income.

What if my parents cover the mortgage payments until I finish my studies?

If you're the homeowner, you are liable for the mortgage and would therefore need to be an eligible borrower.

I am currently on paid work experience for one year as part of my undergraduate degree, am I eligible?

As a responsible lender, we would need to understand your future income. If your immediate plans are to return to your studies then, unfortunately, we would not be able to lend to you.

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