Prime mortgage providers are not necessarily opposed to approving loans for people with graduate debt, one expert claims.

Helen Adams, director of FirstRungNow.com, asserts that while the credit crunch has persuaded mortgage lenders to target low-risk people, there is a selection of products tailored to graduates.

The "holistic" view adopted by many lenders means that they will "look at the whole picture", understanding that graduates are likely to pay off their debts when their earnings rise, says Ms Adams.

She remarks: "The lenders aren't necessarily put off by people being credit averse or being in debt despite the market conditions, because with a professional or graduate mortgage they can hope those debts will be paid off."

Her comments after moneysupermaket.com described next year as "the year of the secured loan".

According to the price comparison website, people who do own properties look set to prioritise funding sources like homeowner loans in 2008.
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