Owning your own home

Spoke to the mortgage advisor again this morning. The problem is that there are no lenders who will lend us more than 85% based on the fact we are going for shared ownership and the money is coming from outside the UK.

If the gift comes from within the UK then there are lenders who will sell you a 95% mortgage. Madness.

Speak to a different advisor?

Or ask this one whether the problem goes away if "a mate" gives you the money?