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Mortgage & Equity Release - Call Us 0117 403 4474

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What is your mortgage for?

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4.83% 5 Year Fixed

  • 65% LTV
  • Overall cost for comparison 5.9% APRC
  • £500 Cashback

Representative Example: Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 60 months after which reverts to lender variable rate of 6.49%.

Book appointment with us »

4.89% 10 Year Fixed

  • 75% LTV
  • Overall cost for comparison 5.5% APRC
  • £1000 Cashback

Representative Example: Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 10 years after which reverts to lender variable rate of 6.24%.

Book appointment with us »

Mortgage With PHD Stipend

UK Mortgage rates are at all time lows!

See below for a selection of leading mortgages or use our independent mortgage advice service to discuss lenders who will consider income affordability using a PHD stipend.

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparison Product fee Monthly cost Enquire
Initial rate: 4.28%
Rate type: 5 year fixed
Monthly cost: £978.15 per month
Product fee: £0
Overall cost for comparison: 6.3% APRC
Santander logo 4.28% 5 year fixed 6.3% APRC £0 £978.15 per month get quotes Broker Only Deal
Initial rate: 4.39%
Rate type: 5 year fixed
Monthly cost: £989.29 per month
Product fee: £995
Overall cost for comparison: 7% APRC
TSB logo 4.39% 5 year fixed 7% APRC £995 £989.29 per month get quotes
Initial rate: 4.39%
Rate type: 5 year fixed
Monthly cost: £989.29 per month
Product fee: £999
Overall cost for comparison: 6.7% APRC
Nationwide Building Society logo 4.39% 5 year fixed 6.7% APRC £999 £989.29 per month get quotes Broker Only Deal
Initial rate: 4.40%
Rate type: 5 year fixed
Monthly cost: £990.31 per month
Product fee: £699
Overall cost for comparison: 7% APRC
Barclays 4.40% 5 year fixed 7% APRC £699 £990.31 per month get quotes Broker Only Deal
Initial rate: 4.41%
Rate type: 5 year fixed
Monthly cost: £991.33 per month
Product fee: £899
Overall cost for comparison: 7% APRC
Barclays 4.41% 5 year fixed 7% APRC £899 £991.33 per month get quotes Broker Only Deal
Initial rate: 4.44%
Rate type: 5 year fixed
Monthly cost: £994.38 per month
Product fee: £999
Overall cost for comparison: 6.7% APRC
Nationwide Building Society logo 4.44% 5 year fixed 6.7% APRC £999 £994.38 per month get quotes Broker Only Deal
Initial rate: 4.45%
Rate type: 5 year fixed
Monthly cost: £995.4 per month
Product fee: £995
Overall cost for comparison: 6.8% APRC
NatWest logo 4.45% 5 year fixed 6.8% APRC £995 £995.4 per month get quotes
Initial rate: 4.45%
Rate type: 5 year fixed
Monthly cost: £995.4 per month
Product fee: £999
Overall cost for comparison: 7.1% APRC
Halifax 4.45% 5 year fixed 7.1% APRC £999 £250 cashback £995.4 per month get quotes
Initial rate: 4.45%
Rate type: 5 year fixed
Monthly cost: £995.4 per month
Product fee: £999
Overall cost for comparison: 7.1% APRC
Halifax 4.45% 5 year fixed 7.1% APRC £999 £250 cashback £995.4 per month get quotes Broker Only Deal
Initial rate: 4.47%
Rate type: 5 year fixed
Monthly cost: £997.44 per month
Product fee: £999
Overall cost for comparison: 6.3% APRC
Coventry Building Society logo 4.47% 5 year fixed 6.3% APRC £999 £997.44 per month get quotes Broker Only Deal
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Mortgage With PHD Stipend

If you are studying for a PhD then getting a mortgage lender who will accept your bursary or stipend income can be a challenge - you will find that not all lenders will take into consideration your PhD stipend income when calculating your affordability; which could make it more challenging for you to secure home finance.

There are a few lenders who will consider bursary and stipend income arrangements.

Special features of what we offer include:

  • Whole of market service - we work with leading UK mortgage lenders

  • Access to leading market mortgage rates

  • Access to exclusive loan deals not available on high street

  • Fast turnaround - speak to us today if you need to move quickly

  • We have lenders who will take into account previous defaults and missed payments 

  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To compare your mortgage options if your income comes from a stipend call our mortgage team or fill in our call back form.

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

Mortgage With phd stipend

If you’re looking for a mortgage where the income that will be used to support your mortgage comes from a PHD stipend contact us for a no obligation discussion. 

 

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