Hi!
Good luck with the re-mortgaging! In my case, I told the bank the PhD was a planed carrer move to get a better job. They asked me the last years pay-slips to know how much I was earning before (just a prove that I was already a professional). Let us know which banks are welcoming your studentship as an income!

======= Date Modified 10 Nov 2012 12:33:47 =======
I have no problem at all:

-my partner is employed full time (with a good salary).
-we have 25% of Deposit (we have been saving like crazy, guessing this helped a lot!)
-I was fully employed dor 5 years before getting the PhD position (that convinced Barclays!)

Good luck!!!!!!

======= Date Modified 10 Nov 2012 12:53:19 =======
If anyone knows more banks/building societies... please post!

Hi all,

I recently went through the tortuous experience that is getting a Mortgage with a Studentship and I want to share my experience with all of you.
I know there are other threads but my experience is recent and banking is always changing.

My advice: GO THROUGH A MORTGAGE BROKER!!!

You need someone that can explain Mortgage Underwriters what a PhD is and your career prospects.
We were going directly to the common banks and getting rejected automatically (before applying) when they were finding out my studentship was non taxable.
We tried with HSBC, Natwest, Nationwide, Barclays... We got a clear NO from all of them.

Despite the fact we did not like the idea, we went through a mortgage broker.
The guy manage to get my Studentship accepted by Natwest and Barclays and also Teachers Building Society. Basically most of the banks that had previously rejected us.
The mortgage broker convinced them.

Mortgage brokers know how to talk with banks.

If you had/are going through the same situation, please share it with us.
I was trying so hard to get information before going to the banks and there is so little out there.

Best wishes!