Graduate mortgages are available to individuals who have obtained a degree from a recognised UK university within 7 years of graduation.

At time of graduation, many people leaving university have a student loan and are short on funds to put down as a deposit when purchasing a property. Graduate mortgages will be considered to 95% loan to value and subject to affordability. If a graduate mortgage is not possible due to your circumstances, amount of deposit, or affordability, it is possible for us to look at a guarantor mortgage or a gifted deposit mortgage

Graduate Mortgages

from family members or relatives. The guarantor(s) can either take full liability where they are accountable for the whole mortgage payments or limited liability whereby they are only accountable for the borrowers shortfall which is the difference between what the lender has calculated the borrower can afford and the actual sum required (up to a maximum of a 30% guarantee from the guarantor)

When taking out a graduate mortgage, most graduates tend to opt for an interest only mortgage during the first 2-5 years in order to keep their monthly payments as low as possible. After this time it is common to then take out a repayment mortgage whereby the outstanding mortgage balance is repaid gradually over the term of the mortgage, together with interest on the money borrowed.


  • Enabling a foot on the property ladder at an early age
  • Depending on the right market, this could be a valuable investment in early life if property prices appreciate.
  • If using a guarantor, a higher mortgage advance may be available to you as a result of the guarantor’s income, which may enable the purchase of a more desirable property


  • Your financial situation / job prospects may not improve depending on personal or economic conditions
  • If using a guarantor, financial or personal circumstances between each party may change over the term of the mortgage
  • If using a guarantor, it may be difficult for them to be released from the mortgage contract unless an acceptable replacement can be found or the main mortgage holder’s salary or value of the property has increased significantly.

For further information please contact us on

FREEPHONE 0800 587 4229, request a call back,

email, or complete an online enquiry form

The overall cost for comparison is 3.7% APR

The actual rate available depends upon your circumstances.

Ask for a personalised illustration. APR variable and based on a typical case