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Complex Deposits

Deposit Gifted? We Don't Judge the Source.

Bank policy: "Blood relatives only." Real life: Friends, employers, and landlords help out. We connect you with lenders who live in the real world.

  • Non-blood relative gifts accepted (Friends, etc.)
  • Vendor gifted deposits (New Build & Privately)
  • Landlord concessionary purchases
  • International gifted deposits (China, India, etc.)
"Modern wealth transfer isn't just vertical (parents to kids). It's horizontal (friends). Mortgage lending needs to catch up. Ours has."

Check Your Eligibility

No credit check required

Our Lending Partners
Whole of Market Access

Just a few of the lenders we quote

From high street giants to specialist niche lenders.

As an Appointed Representative of Echo Finance, we have direct access to over 100 lenders across the UK market, ensuring you get specialist advice and the most competitive rates available for your specific income structure.

Real World Deposits

Not everyone gets money from 'Mum & Dad'. We work with lenders who accept gifts from friends, siblings, and landlords.

Accepted

Gift from Best Friend

"Applicant received a £30k deposit from a lifelong friend. High street declined as 'not blood relative'. We used a specialist who understands modern relationships."

J

Jenny S.

Brighton

5% Gift Accepted

Vendor Gifted Deposit

"Developer offered a 5% deposit contribution. We aligned this with a lender who accepts vendor gifts up to 5% without reducing the loan amount."

M

Mark D.

Liverpool

AML Cleared

Overseas Parents

"Parents in China gifted the deposit. Complex Source of Funds checks required. We handled the compliance with a lender experienced in international money."

W

Wei C.

London