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- get a really good broker who understands what your stipend is - go to banks that are more understanding of stipends - I *think* nat west has been given as an example of one of these but the older threads will have a list of them I'm sure - get a guarantor - that's how me and hubs got ours. Although the guarantor has to be someone who could afford to pay your mortgage AND theirs, should you default on payment - have a MASSIVE deposit.