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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 — a selection of the mainstream and specialist lenders on our panel
Broad Lender Panel

Just a few of the lenders we quote

From high street giants to specialist niche lenders.

Mortgage advice is provided by Hayden Richards, CeMAP-qualified, as an authorised adviser of Echo Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 570073). Richards & Logic is a trading style of MarketMedia Ltd. Hayden Richards can assess specialist mortgage options from a broad panel of UK lenders based on your complex income and borrowing needs.