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Loaned Deposit Mortgage

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Loaned Deposit Mortgage

We are often asked by clients whether we can help them arrange a mortgage if all or part of their deposit is sourced from a loan such as a personal loan or a loan from a family member.

We work with a number of lenders that are able to consider a loan as all or part deposit for a mortgage providing that both the loan repayments and mortgage repayments remain affordable.

Where all or part of the deposit is provided by means of a loan the lender will normally want a letter confirming:

  • The loan amount
  • The loan provider and any relationship with the mortgage applicants
  • Confirmation that the loan is repayable and the repayment terms e.g. monthly payments
  • Confirmation that the lender will have no ongoing interest in the property
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Customers calling us often tell us they are frustrated that although they would be a very good mortgage customer, they are finding it difficult to get a mortgage.

Whatever your situation, we may be able to assist. We specialise in helping clients who have unusual or non-standard requirements. We work with a number of lenders who have a flexible approach to underwriting your mortgage. They will look at your mortgage on a case by case basis and a person will assess your situation rather than a computer.

We appreciate everyone’s particular situation is unique, which is why we look at every enquiry on a case by case basis. We work with both High Street and Specialist lenders and, if necessary, can recommend a lender who will manually assess your mortgage application rather than asking a computer to make a decision. In the current climate, we appreciate that everyone may not “tick all the boxes” for the high street lenders.

If you would like to see whether we can help you raise a mortgage for you on a property, do get in touch for a free no obligation quotation.

Best Deals -Purchase

Lender Initial Rate Type For Then APRC* ERC* Fee
SBS 1.14% Fixed Apr-2023 4.64 3.8 30-Apr-2023 £1479
CLY 1.19% Fixed Mar-2023 4.55 4 2 years £1476
CNW 1.22% Fixed Jun-2023 3.59 3.2 30-Jun-2023 £1481
TSB 1.24% Fixed May-2023 3.59 3.3 31-May-2023 £1480
HSB 1.24% Fixed May-2023 3.54 3.3 31-May-2023 £1480
HSB 1.24% Fixed May-2023 3.54 3.3 31-May-2023 £1480
TSB 1.24% Fixed May-2023 2.59 2.5 31-May-2023 £1480
BNW 1.24% Fixed 2 years 3.59 3.2 2 years £1476
BNW 1.24% Fixed 2 years 3.59 3.3 2 years £1476
BNW 1.24% Fixed 2 years 3.59 3.2 2 years £1476
*APRC = Annual Percentage Rate of Charge
*ERC = Early Repayment Charge
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search:
Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000;Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; .

The mortgage deals shown above are subject to individual status and a suitable security property. You may not be eligible for some or all of the deals shown given your status and/or the nature of the security property. For a more accurate indication as to mortgage deals you are eligible for, please contact us to discuss your specific situation and/or property.

Specialist Low Rate Mortgages

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I agree for my personal information to be treated as confidential and held in accordance with the Data Protection Act 1998 in order to be contacted with details of services and products in writing, by email or telephone by Rockhopper Mortgages and its agents

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Excellent service.

By: Mark Kemp
The remortgage was very clearly explained by the team. I was very pleased with the communication aft....
For service -  Resi/Remo/Lambourn
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Amazing service and great advice.

By: Andy
The RockHopper team were amazing and went out of their way to ensure I had a great experience and th....
For service -  Resi/Remo/Lambourn
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Miracle workers!

By: Dawn Crawford
David at RockHopper was friendly, reassuring and knowledgeable with our very difficult case. Ultimat....
For service -  Residential Purchase
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Totally professional and deicated to suceed.

By: Robert Payne
The team that address my application done it with such professionalism even through a difficult oper....
For service -  Resi/Remo/Bekynton
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By: Kenneth & Yvonne Stoves
Good service apart from length of time from start to completion due to this virus and other anomalie....
For service -  Resi/Purchase/Calder Road
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By: Stephen Boyd
Great service above and beyond the call of duty. Special mention for Rob Killeen, who achieved the a....
For service -  Resi/Remo/Kingston Hill
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RockHopper was the ONLY company that was able to help us secure a mortgage due to just having moved ....
For service -  Resi/Purchase/Cartvale
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Excellent

Excellent service from David Rostron. Always very quick to respond to queries and ended up getting m....
For service -  BTL/Purchase/Grand Union
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Great Service providing mortgages different to standard

By: Ryan Finnigan
Great offering, over and above what is the norm and go to a wide variety of lenders. Able to take al....
For service -  Resi/Purchase/TheCoachHouse
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Good service and communications

Very good service and advice. Helpful throughout the process of obtaining a mortgage and getting a g....
For service -  Resi/Remo/Carpenter
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By: Helen Murray
On the ball all the way until I got the mortgage offer, highly recommend Rockhoppers, even throught....
For service -  Resi Purch / Ingram Road
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Brilliant Service

By: Joe and Lucy
We were delighted with the service provided by Rockhopper. David Rostron and his team were incredibl....
For service -  Resi/Purchase
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Absolutely fabulous

By: Kevin Howe
Rockhopper managed to arrange and obtain me the best mortgage on the market for my needs even at a t....
For service -  Purchase
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Would definitely recommend RockHopper!

By: Brian Hughes
On hand when needed and open and upfront about costs ec.....
For service -  Purchase
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David Rostron went above and beyond in helping me to secure the right mortgage offer. He has now he....
For service -  Further Advance
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Easy to work with

Worked with me to ensure efficiency and the best offer for me given my constraints. Easy to work wi....
For service -  BTL Remo
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Would recommend to anyone!!

By: Ben
David and the team were excellent at getting the mortgage product we needed to secure our dream home....
For service -  Purchase
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Great service....
For service -  Residential Remortgage
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Great service throughout the process, very professional

Great service throughout the process, Very professional staff who have kept us well informed at all ....
For service -  Residential remortgage
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I would recommend Rockhopper and use them again. Our mortgage wasn’t straightforward but they foun....
For service -  Self Employed Buy to Let Remortgage
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RockHopper Mortgages is a trading style of RockHopper Origination Limited who is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

RockHopper Origination Limited is a company registered in England and Wales with company number 10241688. Registered Office:Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

CONTACT US

Tel: 0203 621 5696
Fax: 0203 621 5697
Email:info@rockhopper.uk.net

Address: Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

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