Student Mortgages

Did you know that students can get a mortgage up to 100% of the purchase price (no deposit), where you can use expected rental income as part of your affordability calculation, subject to status, lender criteria and affordability assessment.

Now you can leave university not just with a degree but with a foot on the property ladder! After your course ends, you can choose to keep the property or sell it, the choice is yours. These mortgages are offered on a Joint Borrower Sole Proprietor basis, which means the student will be the only borrower on the deeds, but parent/s will be joint borrower/s on the mortgage and are fully liable for the mortgage debt alongside the student, even they have no ownership share in the property.

This arrangement helps university students plan for their future with the help of their family, to fulfill their dreams of property ownership.

Is typically required that both the student and parent/s to have at least 3 years address history in the UK, as well as permanent right to reside in the UK, varies by lender.

Given the financial commitment involved for both students and parents, we'd always encourage getting independent advice before proceeding, we're happy to talk you through it.