Landlord Gifted Deposit Mortgage UK

Does a concessionary purchase work with bad credit?

The lower deposit requirement can genuinely help an adverse credit case, since a larger effective deposit from the landlord's discount often opens up a better loan-to-value tier than you could reach with cash savings alone. You still need a lender willing to accept the concessionary purchase structure and to assess your credit history — not every lender accepts gifted deposits from a landlord specifically, so this is a case where matching to the right specialist lender matters more than usual.

How much discount do I need from my landlord?

There's no fixed minimum, but most lenders want the discount to genuinely reflect a reduction from independent market value, confirmed by a formal valuation — not simply whatever figure you and your landlord agree between yourselves. The valuer's figure is what the lender bases the loan-to-value calculation on, not the private sale price alone.

Does my landlord need to be a family member?

No — unlike a standard family gifted deposit, a landlord gifted deposit specifically applies to a tenant buying from their actual landlord, whether that's a private individual, a company, or a housing association offering a similar concessionary sale. The relationship that matters here is tenant-and-landlord, not a family connection.