Student loans & mortgages
How student loan repayments affect mortgage applications and what you can do to improve your position.
Last updated: December 2025
On credit report
No
Usually not recorded
Affects affordability
Yes
Monthly repayments count
Make a difference
Deposit
Larger deposit helps
Student loans and your credit report
ℹ️Credit report
That said, check your credit file before applying. Missed repayments and County Court Judgments (CCJs) can appear on your record and may affect mortgage offers. If there are errors or unresolved entries, address them before you apply.
How student loans affect affordability
⚠️Affordability checks
📝 Example: Similar salary, different repayments
Monthly repayment size — not total loan — is what matters for lenders.
⚡Key point
It's not the size of your student loan that matters for mortgages. It's how much you pay each month. Bigger total debt can be irrelevant if your monthly repayments are small.
Improving your mortgage position
Before you apply
Check your credit report and fix any missed payments
Build a larger deposit to reduce loan-to-value (LTV)
Consider a Lifetime ISA to boost savings with a government bonus
Cut discretionary outgoings in months before you apply
Get payslips and bank statements ready to show stable income
✅Deposit matters
Try our calculator
Enter your salary, deposit, and outgoings to see how much a lender might offer you.