Graduate Mortgages
Mortgages for Graduates and the Newly Qualified
Just qualified and ready to buy? A short work history, student loan and small deposit do not have to stop you. Some lenders welcome newly qualified professionals and graduates. Here is what to know.
★★★★★ Helping graduates across Scotland buy their first home. Rated 5 stars by 235+ clients on Google.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
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Why It Can Work
A Short Work History Is Not Always a Problem
Some lenders look at your qualification and future earnings, not just how long you have worked.
- ✓New job: some lenders will lend from your first payslip
- ✓Professions: some lenders offer more to certain qualified professionals
- ✓Student loan: counted in affordability, but rarely a blocker
- ✓Thin credit file: building credit early helps
How We Help
How to Buy After Graduating
Five steps to get started.
Get Your Contract
A signed employment contract is the key document.
Build Your Credit
Electoral roll, a credit card used lightly and bills paid on time.
Build Your Deposit
Lifetime ISA, savings or family help.
Find the Right Lender
Some are more welcoming to graduates.
Get Your Mortgage in Principle
Know your budget before you search.
Common Situations
Where Graduates Need Help
If one sounds like you, talk to us.
Healthcare Professionals
Doctors, nurses and pharmacists may get more flexible options.
Talk It Through →Common Questions
Graduate Mortgage Questions, Answered
The things graduates ask us most.
Can I get a mortgage straight after university?
Often, yes, once you have a job and contract in place.
Does my student loan affect my mortgage?
Lenders include the repayments, but it rarely stops you getting a mortgage.
Are there graduate mortgages?
Some lenders offer more flexible options for newly qualified professionals.
How can I build my credit quickly?
Get on the electoral roll, pay bills on time and use a credit card lightly.
How much deposit do I need?
Usually at least 5%.
Can my parents help?
Yes, through a gifted deposit or a family support mortgage.
Related guides
- Mortgage on probation or a new job
- Buying with a 5% deposit
- Family support and guarantor mortgages
- Being mortgage ready
- All mortgage questions answered
Written by Tony Flynn, mortgage broker at Tony Flynn Mortgages, helping homebuyers across Lanarkshire and Scotland. This page is general information, not personal advice. Speak to Tony about your own circumstances.
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