Speaking to a Punjabi-speaking mortgage adviser in the UK

Be clear about what family help means

A contribution towards a home can be a gift, a loan or part of a shared ownership arrangement. If you want those differences explained in Punjabi, start with what everyone expects from the money. This English-language guide is useful where family support is involved, whatever your background.

Explain the arrangement before moving money

Tell the adviser whether anyone expects repayment, interest, a share of the property or the right to live there. Do not describe a repayable contribution as a gift. Ask a conveyancer about legal rights and ownership arrangements.

For example, if a hypothetical relative offers money but expects it back when the property is sold, disclose that condition. The lender may assess it differently from an unconditional gift.

Build a record of the funds

Ask which donor identity records, bank statements and gift declarations are needed. If funds come from abroad, check what evidence is required of how the donor obtained the money and each transfer. Requirements vary between lenders and conveyancers; avoid paying for translations until the required format is confirmed.

Keep the buyer’s budget in view

A larger deposit may reduce the amount borrowed, but it does not replace checks on income, debts, credit history and the property. Allow separately for legal costs, moving expenses and any applicable property tax.

If relatives join a discussion in Punjabi, agree what personal information you want to share. Each applicant should understand the recommendation and be able to ask questions independently.

Questions to settle with the adviser

Ask whether the proposed lender accepts your particular deposit arrangement, what evidence remains outstanding and when advice fees apply. Check the firm’s permissions and confirm Punjabi support. The deposit and affordability calculators below can help you prepare figures for an advice request.