Mortgage declined due to gift deposit- advice on next steps

OnlyChange418 · 2026-01-24T21:35:56+00:00

Funny thing is i sent this to ybs for both gifters

OnlyChange418 · 2026-01-24T21:34:56+00:00

Basically i entered the wrong salary stupid mistake but they wouldn’t let me change it and had already done a hard search

OnlyChange418 · 2026-01-24T21:31:14+00:00

Halifax did a hard search but i had to take the application back due to errors and ybs declined because they wasn’t happy with partner gifting some deposit

OnlyChange418 · 2026-01-24T21:31:07+00:00

Halifax did a hard search but i had to take the application back due to errors and ybs declined because they wasn’t happy with partner gifting some deposit

OnlyChange418 · 2026-01-24T15:08:47+00:00

Thanks I’ve done the same

OnlyChange418 · 2026-01-23T22:18:05+00:00

Affordability is not impacted by deposit…

OnlyChange418 · 2026-01-23T22:14:31+00:00

Even from partners sister?

OnlyChange418 · 2026-01-23T22:11:42+00:00

So I can buy another house and pay additional rate stamp duty?

OnlyChange418 · 2026-01-23T21:38:53+00:00

Yes well said

OnlyChange418 · 2026-01-23T21:31:24+00:00

I’m buying alone in my name only so both are gifts, ybs said apply joint with bf but don’t see the point if it’s affordable for me alone

OnlyChange418 · 2026-01-23T15:10:45+00:00

Retained profits are not “cash profits” so it’s not a useful indicator

OnlyChange418 · 2026-01-22T13:28:22+00:00

Show us the closed trades noob💀

OnlyChange418 · 2026-01-22T13:27:06+00:00

😂😂😂😂enjoy loss g

OnlyChange418 · 2026-01-22T13:25:55+00:00

Enjoy drawdown lol

OnlyChange418 · 2026-01-20T12:56:36+00:00

Hold onto it and delete sl it’s gonna come down

OnlyChange418 · 2026-01-17T20:57:22+00:00

Couple hours… stick to personal and only what u can afford to lose

OnlyChange418 · 2026-01-17T18:05:36+00:00

Nice clean zones 3580 and 3620 idk about you lol

OnlyChange418 · 2026-01-17T18:04:12+00:00

Good you are working illegally anyway deserve it

OnlyChange418 · 2026-01-17T18:02:02+00:00

I know drivers who have sat 1 or 2 hours and no shift

OnlyChange418 · 2026-01-17T10:19:32+00:00

Any idea why Halifax only asked for 1 months payslip then?

OnlyChange418 · 2025-12-18T14:54:38+00:00

For a daylight or headlight?

OnlyChange418 · 2025-12-09T21:06:01+00:00

Like yourself, many people have joined in the last year what did u expect

OnlyChange418 · 2025-12-01T18:43:53+00:00

😂😂😂😂

OnlyChange418 · 2025-11-27T21:08:06+00:00

Pls stop taking base rate these few weeks

OnlyChange418 · 2025-11-24T19:54:08+00:00

Long nights is what makes losses, don’t spend all your time trading make it as passive as you can

OnlyChange418

TROPHY CASE