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Just to update the thread, I rerouted the money through my Mum, handed in the gift letter, no problems there, and we are closing on Monday with everything sorted, thanks for your advice

Thank you for your replies and for taking the time out to explain it all in detail, it's very much appreciated :)

My uncles have already paid 5k + 4k into my bank a/c, but my grandmother and aunt can still lodge into mums a/c, and in turn she would transfer over to me a clean €20,000, so big thanks for this suggestion, don't know why I didn't think of it already :)

It's just the amount of gift letters that will have to be filled out, I'm just getting a bit paranoid that the bank will question why so many people are involved, and as you say it would look cleaner if it all came from one source ie. my Mum.

The house price is €260,000 and our approval is for €176,000 (which is actually below the 3.5 income multiple, but I can gripe about that in a different thread...!) so we need to make up the difference of €84000... so that's €50k from ourselves, and €34,000 from gifts from both our sides, plus...

I've been reading through other posts but can't find a situation similar to mine. My boyfriend and I have already been approved for a mortgage, we have our 6 month approval. We won the bid on a house but need to top up on our €50k deposit to reach the sale agreed price with gifts from our...

I read that the new restriction of 3.5 the size of your gross salary for a mortgage can be eased in one out of five cases, thus my question is what kind of applicant can be approved for more?? Is it size of deposit, longevity in a workplace and so on? Thanks, Alison

My boyfriend had an Avant/MBNA credit card for many years. Early last year it was cleared, but he wanted to keep his card so he didn't close the account. In the meantime we moved house (we rent) and he never changed his address with Avant Card. Long story short the annual stamp duty was added in...