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Home » Mortgage FAQs » I’m a PhD student, can I get a mortgage?

Yes. Stipend income is usually paid to those working towards a PhD or completing research for a university.  There are a number of lenders which will lend to PhD students earning a stipend income, providing they are purchasing a property jointly with another applicant who does not earn a stipend income, i.e. is employed and in receipt of a salary.
Lenders usually request a Letter of Confirmation from the payer (e.g. university) to show the applicant’s name and the monetary value of the stipend allowance to support a mortgage application.

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