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Whilst a lack of income, potentially poor credit history and no deposit are frowned upon by lenders, there are providers in the UK that specialise in offering mortgages to graduates – with some even coming with benefits and allowances.  

These mortgages can be available with loan-to-value (LTV) ratios of up to 95%, meaning that you will only need to put a 5% deposit down.  
 
Finding these sorts of deals and products from high street lenders is unlikely and you will probably need a specialist lender, which a mortgage broker will be able to access for you.  

Does it matter what I graduated in? 
 
If you have graduated in a professional or vocational course such as law or medicine, then you will be in better stead as there is a higher probability of you securing employment soon after graduating, but your course doesn’t usually matter. 
 
If you graduate with a job secured, then it’s likely that you’ll be able to benefit from better interest rates and higher loan sizes than if you were graduating with no employment set up.  

Can I apply before I graduate? 
 
If you’re yet to graduate, but have a job lined up for when you do, then you could still get a mortgage, as long as there is a contract drawn up and signed by when you apply.  
 
It’s commonplace for students to go self-employed straight after graduation, to either begin their long-term business goals or to use as a stop-gap between other jobs.  
If this is your situation, then you can still apply, but you should note that most lenders will want to see at least one year’s worth of accounts on application.  

For any further information on applying for mortgage, either after or during graduation, speak to one of our expert mortgage advisers who will be able to walk you through the next steps.