UK Graduate Mortgages

Finding a competitive mortgage as a graduate can be tricky. Discover all you need to know about lender terms, mortgage support and interest rates.

About your mortgage

Error: Yearly income income must be between £1 and £10,000,000.

Error: Regular bonus must be between £1 and £10,000,000.

Based on your yearly income, you may be able to borrow:


Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.


Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.


Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

UK Graduate Mortgages

Graduates are in a tricky position when looking for a mortgage - and it is always best to consult an independent broker with detailed knowledge of the market, rather than use mortgage calculators.

While you might find lots of banks purporting to offer competitive graduate mortgages, this is often a marketing tactic, and only one or two specialist lenders offer authentic products created especially to support recent graduates.

In some cases, an advertised graduate mortgage is not aimed at university leavers, but at professionals holding a degree within 15 years of qualifying.

Some of the most common issues we heard from graduates looking for a mortgage are:

  • Their income is based on an entry-level job.
  • They are coping with massive student debt and overdraft lending.
  • They do not have a significant deposit available.
  • They have been offered a graduate role that doesn't start for several months.
  • They have little, or no credit history, or a low credit rating.

The first advice we'd give is not to panic - this isn't a new scenario, and many university graduates can buy their first home. mortgage advisors works with specialist lenders who support graduates with competitive deals, flexible terms, and support schemes designed to help you get onto the property ladder.

Here we'll run through the essential information about graduate mortgages. For more detailed advice and independent support from an experienced, whole-of-market broker, contact Revolution on 0330 304 3040 or email us at

How do Graduate Mortgages Compare to Standard Mortgages?

Our lenders offer a range of benefits to help new graduates - some of these perks include:

  • Lower deposit requirements, aimed at those with a small deposit or using family support to buy their first home.
  • Larger mortgages, with more flexible criteria based on multiples of your annual income, and considering any guarantor you might have in place.
  • Competitive rates and fees to make buying your home more affordable.

Are There Mortgage Products for UK Professional Graduates?

There are - degrees come in a wide variety of skill sets and qualifications, so if you have graduated as a pathway to a professional career, such as achieving a degree in a legal qualification, lenders will usually view this as a lower-risk scenario.

Lenders will look at your career prospects, the anticipated income you can expect to earn, and how sustainable your chosen profession is.

As a professional graduate, you have access to niche lenders with a wide range of benefits:

  • More considerable maximum mortgage value.
  • Appealing interest rates and fee structures.
  • More flexibility in negotiating repayment structures.
  • Options to use a guarantor or gifted deposit.
  • Lower deposit minimum.

For more information about mortgages for professional graduates, give us a ring

Can I Get a Mortgage if I Haven't Graduated Yet?

You can! We deal with lots of clients who are due to graduate and have a secure job offer and need to find a mortgage to purchase a home, often to live in when they take up the new contract.

In this situation, a new job mortgage is ideal and will consider your projected income so you can proceed with the application in advance of graduating.

Are There Professional Mortgages for Newly Self-Employed Graduates?

Most mainstream lenders will only consider a self-employed mortgage applicant when they have been trading for two to three years and can provide sets of accounts or tax returns.

Fortunately, some of our specialist lenders can offer mortgages to new graduates who are self-employed after only a short period of trading.

Contact the team for more advice about graduate lending for self-employed business people.

How Do I Apply for a Graduate Mortgage?

The first step is to give the Revolution Brokers team a call on 0330 304 3040. Alternatively, you can send a message to, and we will arrange a convenient time to chat.

Our team offers extensive experience in the graduate mortgage sector, with flexible terms and products designed to provide you with the most competitive lending.

Why Revolution Brokers?
  • Whole of market brokers

  • Mortgage that suits you

  • On time customer support

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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Revolution Brokers understands that mortgages can be complex and confusing!

Ask us any question you might have, and one of our skilled consultants will come back to you as quickly as possible.