Mortgage Deposit Rules for Home Buyers 2025 скачать в хорошем качестве

Mortgage Deposit Rules for Home Buyers 2025

In this video, expert mortgage broker Payam Azadi looks comprehensively at mortgage deposits and how different types of funds will require different documentation from lenders. In today’s environment, many home buyers are seeking to enhance their savings with a gifted deposit, which can come from family members, non-family members, friends, or even as savings in digital currency, whether from the UK or abroad. Additionally, they may receive incentives from builders and landlords. Take some time to watch one of UKF’s mortgage experts as they explain the various processes surrounding mortgage deposits. Quick Links - Click on the below subjects to go directly to the section of the video. 00:00 Introduction 02:12 Crypto and digital currency 04:18 Family gifted deposit 05:49 Gifts deposit from friends & others 06:49 Gifts deposit from abroad. 09:34 Gifted deposit loan agreements. 10:21 Second charges on the Gifted deposit property 11:04 Gifted equity from Family members 12:43 Gifted deposits from your landlord 13:21 New build deposit incentives 13:51 Conclusion and other things to watch out for. 👨💻 FOLLOW THE COMPANY ► Official Site: https://www.nicheadvice.co.uk ► Instagram:   / nicheadviceuk   ► Facebook:   / nicheadviceuk   ► Twitter:   / nicheadviceuk   ► Linkedin:   / nicheadvice   ► Tiktok:   / nicheadvice   THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. Think carefully before securing other debts against your home You are consolidating your existing financial commitments, you should therefore be aware that whilst this may mean you will make short term savings, over the long term, you may end up paying more. This is because you may be extending the period of the loan. You are also transferring previously unsecured debts to a mortgage which is secured on your home. The reason you want to consolidate your existing debts is to reduce your monthly outgoings. Please also be made aware Lenders tend not to look favourably on applicants that have a repeated history of debt consolidation so future finance, for this reason, may be hard to obtain. The content of this Video does NOT constitute giving advice it is purely designed for general information purposes only. The qualification for a mortgage will depend on your own individual circumstances, and your case should be fully discussed with a Professional Mortgage Broker before you apply. Niche Advice are Independent Whole of the Market Mortgage Broker dealing with different types of clients buying properties all across the UK. Some Buy to let, and commercial mortgages are not regulated by the Financial Conduct Authority. Niche Advice Limited is a Credit Broker and does not lend money directly to clients. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority. FCA No: 750263. The Financial Conduct Authority does not regulate Commercial Buy to Lets, including some Bridging Loan products. #deposit #mortgagedepsoit #gifteddeposit