Student loans can affect your ability to secure a mortgage, but not always negatively. Lenders take your debt-to-income ratio into account, so your monthly student loan repayments will factor into this. If your loan payments are low and your income is stable, chances are you should get a mortgage without any hassle.
Higher monthly payments, however, can reduce the amount you’re able to borrow. You need to disclose your student loans upfront in order to avoid any issues later in the process.
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