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Home » Mortgage FAQs » I’m a PhD student. Is it possible for me to acquire a mortgage?

Stipend income is paid to a person who could be working towards a PhD or completing research for a university. It is possible for PhD students to acquire a mortgage. Current lending criteria is that the applicant who earns a stipend income must be 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 to show the applicants’ name and the monetary value of the stipend allowance to support a mortgage application.

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