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Deposit source
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Likelihood of acceptance
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Savings
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If you use your own savings as a deposit, you are unlikely to have any issues. Most lenders are happy with this, although some might ask for a history of bank statements to verify how the total has accumulated.
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Gifts
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Deposits gifted from immediate family members are widely accepted. That usually includes parents, grandparents, siblings, aunts and uncles.
Gifts from more distant family members are less common, and some lenders won't accept this as a mortgage deposit.
Gifts from friends or third parties are usually rejected due to the higher risk of fraud - although some lenders can negotiate on this, with due diligence checks to verify the authenticity of the gift.
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Inherited funds
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Usually fine.
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Property sale proceeds
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Commonly accepted, provided there is no charge against the property in another name, and the funds have cleared.
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Asset sale proceeds
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Most lenders will accept a deposit raised from selling another asset, such as a car, a boat or a valuable possession.
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Unsecured loans
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Usually rejected, credit card or personal loan debt is often considered irresponsible lending.
A small number of lenders may accept a deposit, although they will need to assess affordability and the total debt to income ratio carefully.
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Bridging loan
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Short-term bridging finance is often an option as an alternative to a mortgage, for example, to buy an auction property or to buy a rental investment that isn't habitable so cannot be mortgaged straight away.
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Gambling wins
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A tricky area - some lenders will approve a deposit sourced from gambling wins, although they will usually need to see bank statements and conduct an assessment of your affordability.
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Overseas deposits
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Lenders may reject deposits from foreign accounts since the lender can't easily verify the source of the funds.
However, some banks will accept this deposit, provided they can track the money and have evidence such as bank statements showing that the funds are legitimate.
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23 Sep 2023 
