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The idea of a gift is an interesting one, but I can see a few potential problems. The first one would be that the lender would want the vendor to state that the 25% actually is a gift, by way of a statutory declaration. If a vendor signed this, they may loose any legal recourse to get their...

As previously mentioned, my info is a bit old and may not be applicable these days. Last time I checked you needed to put in the purchase costs (stamp duties, application fees, etc). The lender would only fund 70% under these conditions but would allow the vendor to leave in the other 30%. A...

There are one or two lenders in the non-conforming sector that will do it (last time I did this for a client was 12 months ago, my info could be out of date). They will want the vendor to take a second mortgage over the property. There's no chance that the residential sections of the more...