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Gifted Deposit

Tag: Gifted Deposit

Clients looking at equity release? There are other options for releasing capital

Older borrowers thinking about gifting a deposit to a family member may think equity release is their only route but with an ever-growing later life market there are more options available than ever – including a standard mortgage that is simply designed for later life borrowers.

Read more: Clients looking at equity release? There are other options for releasing capital

Clients who rent? Get access to 95% LTV gifted deposit loans

With twelve months sound rental history we offer gifted deposit mortgages up to 95% LTV, without needing the applicant to put down their own funds. 

Read more: Clients who rent? Get access to 95% LTV gifted deposit loans

Gifted deposit mortgages - at a glance

First time buyers have been having a tough time recently when it comes to getting on the property ladder. We’re happy to consider cases where all or part of the deposit is a gift from a family member.

Read more: Gifted deposit mortgages - at a glance

Gifted deposit mortgages - your questions answered

Everything you need to know about gifted deposit mortgages and how we can help your clients looking to buy their first home.

Read more: Gifted deposit mortgages - your questions answered

Gifting money to help family onto the property ladder

The biggest challenge for most first time buyers is saving for the mortgage deposit. Some homeowners now choose to help their children and grandchildren onto the property ladder with a gifted deposit.

Read more: Gifting money to help family onto the property ladder

Guarantor mortgages

We will accept applications for mortgages supported by a guarantor where the applicant themselves are not currently able to service the loan using their own income.

Read more: Guarantor mortgages

How a gifted deposit mortgage can help your FTB clients

Read how we can help your first time buyer clients looking to get onto the housing ladder with a deposit from gifted funds.

Read more: How a gifted deposit mortgage can help your FTB clients

Product changes: reduced rates and a new deal for shared ownership

We’re reducing rates on our existing shared ownership deals up to 95% of the share and also introduced a new option for applicants seeking up to 90% of the share.

Read more: Product changes: reduced rates and a new deal for shared ownership

Support for first time buyers

We offer more support than ever before for first time buyers to get on the housing ladder, from high LTV mortgages and gifted deposits to shared ownership. Find out why you should talk to us.

Read more: Support for first time buyers

Take Five: clients with a small deposit

According to UK Finance, 2017 saw the highest number of first time buyers (365,000) since 2006. However with an increasing gap between first time buyer earnings and the amount they need to borrow many are seeking to purchase or remortgage at a high loan to value.

Read more: Take Five: clients with a small deposit

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