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Mortgages Deposit

If your finances and credit report are in order, your next step to obtaining a home mortgage is the mortgages deposit payment. Mortgages usually require you to put down a mortgage deposit, which is usually a small percentage of the loan ranging from 15% or higher. The bigger mortgage deposit, the lower will be your monthly interest rate on your mortgage.

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It is not uncommon for people to obtain this payment from their family. Banks do not like to see this. They like to believe that the money is yours and that you do not have to depend on others for the money. Lending banks will request your last three months of bank statements to ensure that you are not getting outside money. This is where good planning comes into play.

If you do have to borrow the money, make sure you have it about 4 to 6 months before you apply for the home mortgage. That way, when banks check your records, the money will already exist in your account and cannot tell it was a gift

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