Open Question: Does it matter if your down payment is "gifted" from a family member?

I met a woman at the start of the year, we had both just been dumped, so we decided just to be friends and see where things go, there are logistical problems with dating or going much further at present, but they can be over come. I've been talked into being checked for STD's, been introduced to her parents, been moaned at for not calling her every day, she complains I work weekends so can't visit as often as shewould like, but at the same time have been banned from staying over night so her children don't get the wrong idea. she plans for a joint future, when I take you to x place, we could afford a mortgage on that etc. I've been told she is on the pill and been given suggestive talks on what to do with strawberries , cream and champagne, she doesn't worry about wandering around in just a towel in front of me or asking me to wash her back when she is taking a bath. Yet when I talked about changing my shifts so we could see more of each other I was told it won't work I don't have feelings for you. Given the above I disagree.

Open Question: Question for first time buyers?

Are there any of you out there that have got a mortgage approved in the last 3 months or so?

Did you have to have a massive deposit? If you did, how did you get this (saving up, borrowing from family etc).

Are there other of you who haven't even applied because you think you won't get one?

Just wondering what's going on as this determines how/when the god-awful housing market will start to change. Kemperk - it's almost normal is it?

Is that why myself and numerous other people I know have had our significantly reduced homes on the market for months and months with NO INTEREST WHATSOEVER?

The number of houses going through this year as compared to last has reduced to 17% of what it was. I don't think that's almost normal. There are no buyers because nobody can get a mortgage unless they have a massive deposit.

Open Question: i've applied with mortgage lenders and still can't a loan with a past bankruptcy.what can i do?

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