Three common myths about mortgage deposits are debunked: (1) A deposit is not always required, as some lenders offer 100% mortgages without rental track records or extensive documentation; (2) Deposits do not need to be entirely your own, as lenders accept gifted deposits from family and friends; (3) Deposits do not need to come solely from earned income, as they can be accumulated from bonuses, commissions, savings, side hustles, or selling items, provided the funds are taxed and legal.
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Deposit myths you need to know!Hinzugefügt:
Saving for deposit for mortgage? Let's bust some myths real quick. Myth one is that you need a deposit at all. There are lenders out there that lend up to 100% and no, you don't need to have a rental track record or jump through loads of hoops. Myth two is that all of the deposit has to be yours. Lots of lenders accept gifted deposits and some even accept it from friends, too. Myth three is that all of the deposit has to come from your earned income. There are lots of ways to save a deposit. Bonuses, commissions, savings, a side hustle, selling stuff. If it's taxed and it's legal, it's all good. Subscribe for more straight-talking insights about mortgage lending.
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