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Thanks.
The deposit is 100% covered from my own savings.
The shortfall is part of the stamp duty, fees and moving costs so I am not sure it matters as it seems unrelated to the borrowing part, but I'll point it out to my solicitor in case it isn't immediately obvious that free money has arrived from an external source (still UK though, which I've noticed seems to matter).
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The shortfall is part of the stamp duty, fees and moving costs so I am not sure it matters as it seems unrelated to the borrowing part
I'd expect it to be part of the mortgage affordability checks. They'll often need to know about existing and planned spending commitments. Maybe not moving costs but I'd expect solitictors fees and stamp duty to be checked.
Just make sure the £15000 comes from a deemed acceptable source, seems like unsecured loans and gifts from none close family aren't acceptable but i don't know enough about it to be sure https://www.onlinemortgageadvisor.co.uk/other-mortgage-info/where-can-my-deposit-come-from/