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PHD Stipend Income Mortgages

Stipend income mortgages available to clients working towards a PHD and receiving a monthly stipend or bursary income.

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Stipend Income & Bursary Income Mortgages

A PHD Stipend Income Mortgage is possible through some UK mortgage lenders and as we specialise in this area, we know who they are and will ensure we secure the mortgage you require first time.

Stipend or Bursary income is paid to an individual who may be working towards a PHD and carrying out research for a university. It is also paid to an individual working for a charity or for the Church. Often a stipend or bursary income is received alongside some employed or self-employed income, all of which lenders will accept.

Fox Davidson are able to arrange finance for clients who receive PHD stipend income or bursary income. If you receive stipend income then this should not hold you back from securing finance to purchase a property. By talking to us we can assist you with calculating your affordability and selecting a lender and product to suit your needs.

Case study – PHD Stipend Income Mortgage:

A PHD student at the University of Bristol received an income of £13,800 as stipend income plus a further bursary of £3,000. We were able to secure finance for this client of £220,000 at 90% Loan to value. Her partner was employed and also had an income (£36,000) but wouldn’t have been able to buy on his own.

Using our knowledge of mortgage lenders that accept stipend and busary income we placed the loan first time and the clients have brought their first property.

If you receive PHD Stipend income or Busary income then please do contact Fox Davidson to discuss your situation further. 0117 989 7950. enquiry@foxdavidson.co.uk

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