How Much Can You Borrow on a Stipend Mortgage?

How Much Can You Borrow on a Stipend Mortgage?

Last updated: 4th January 2022

Ultimately this depends on how much income can be used. See the Do You Qualify page to see more detail on exactly what income can be used.

What affects how much you can borrow?

The main factors that affect how much you can borrow are how much you stipend and other income is. Any debts or loan payments will then reduce this accordingly.

Secondary factors affecting maximum borrowing amount are deposit size (a larger deposit as a proportion of the properties value often allows a higher overall borrowing amount), and total income on the application can pass multiplayer thresholds.

Ultimately, the bets way to find out what you can afford to borrow is to speak to a mortgage broker that specialises in stipend mortgages. 

Stipend Mortgage Examples


With the right amount of deposit and income it can be possible to borrow five times total income.

These examples assume a single person or couple with typical spending and no dependents. These are possible outcomes and require credit data and other criteria to fit a lender’s criteria. The most reliable way to assess your affordability is to contact a specialist stipend Mortgage Broker.