Moving, porting mortgage, PhD

ncfcstar

vectistim wrote: »

Maybe an active mortgage adviser can give their thoughts.

If you phone them up you'll just get a low level employee with no discretion who will simply look at the simple criteria that says educational grants and bursaries = no. You need to get your question pushed further up the food chain. Avoid the words grants and bursaries.
She would be a PhD researcher being paid a tax free stipend for 3/3.5 years, and could they not treat that in the same way as a fixed term employment contract?
I'd also avoid talking about potential future salary, that would feel very vague, or will you need that extra income for affordability calculation purposes? If the basic stipend is £13,863 and the funding lasts for 3.5 years simply tell them that - that will be provable, anything beyond that will not.
Could you port the mortgage first?

Thanks for the tips. I would port the mortgage first, but I assume there would be an issue as I would be moving for my job whereas wouldn't my fiancee have to prove there is a job waiting for her in our new location?