Gifted Deposit Mortgage

Saving for a deposit taking longer than expected? Paul Collinson explores gifted deposit mortgages and how a gifted deposit from parents or family members can help buyers secure a home sooner. This episode explains what a gifted deposit mortgage is, how lenders assess gifted funds, what paperwork is required, and why gifted deposits can improve mortgage affordability and unlock better mortgage rates. We also cover the rules around repayment, ownership, and common mistakes that first-time buyers need to avoid. Light, informative, and packed with expert mortgage advice for first-time buyers, it’s your essential guide to using a gifted deposit to get on the property ladder with confidence.