Concessionary Purchase Explained: How a Discount Can Become Your Deposit<\/title>\n <meta name=\"description\" content=\"A clear guide to concessionary purchases in the UK: what they are, who can gift the discount, how the process works, worked examples, pros & cons, and how Empreso can help you structure the deal.\" \/>\n <meta name=\"author\" content=\"Empreso\" \/>\n <style>\n :root{\n --ink:#0f172a;--muted:#475569;--brand:#0ea5e9;--bg:#ffffff;--soft:#f1f5f9;--ok:#10b981;--warn:#f59e0b;\n }\n body{font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,\"Helvetica Neue\",Arial,\"Noto Sans\",\"Apple Color Emoji\",\"Segoe UI Emoji\";color:var(--ink);background:var(--bg);line-height:1.6;margin:0}\n .wrap{max-width:900px;margin:0 auto;padding:24px}\n h1,h2,h3{line-height:1.25}\n h1{font-size:clamp(1.8rem,2.5vw,2.4rem);margin:0 0 10px}\n h2{font-size:clamp(1.35rem,2vw,1.7rem);margin-top:2.2rem}\n h3{font-size:1.1rem;margin-top:1.4rem}\n p,li{color:var(--ink)}\n .lede{font-size:1.125rem;color:var(--muted);margin-top:6px}\n .pill{display:inline-block;background:var(--soft);padding:6px 10px;border-radius:999px;font-size:.85rem;color:var(--muted);margin:10px 0}\n .box{background:var(--soft);border:1px solid #e2e8f0;border-radius:14px;padding:18px;margin:18px 0}\n .box.ok{border-color:#d1fae5;background:#ecfdf5}\n .box.warn{border-color:#fef3c7;background:#fffbeb}\n .grid{display:grid;gap:16px}\n @media(min-width:768px){.grid.cols-2{grid-template-columns:1fr 1fr}}\n blockquote{border-left:4px solid var(--brand);margin:22px 0;padding:10px 16px;background:#f0f9ff}\n blockquote strong{color:#0c4a6e}\n .table{width:100%;border-collapse:collapse;margin:10px 0 18px}\n .table th,.table td{border:1px solid #e2e8f0;padding:10px;text-align:left}\n .table th{background:#f8fafc}\n .kicker{font-weight:600;color:#0369a1}\n .cta{display:inline-flex;align-items:center;gap:8px;background:var(--brand);color:#fff;text-decoration:none;padding:12px 18px;border-radius:10px;font-weight:600}\n .cta.secondary{background:#111827}\n .taglist{display:flex;flex-wrap:wrap;gap:8px;margin:8px 0 0}\n .tag{background:#e2e8f0;border-radius:999px;padding:4px 10px;font-size:.8rem;color:#334155}\n .small{font-size:.9rem;color:var(--muted)}\n .hr{height:1px;background:#e5e7eb;margin:28px 0}\n .stamp{font-size:.85rem;color:var(--muted)}\n .pullquote{font-size:1.1rem;font-weight:600}\n .checklist li{margin:6px 0}\n .kpi{font-weight:700;color:#065f46}\n .note{font-size:.9rem;color:#475569}\n .badge{display:inline-block;font-size:.75rem;background:#dbeafe;color:#1e40af;padding:3px 8px;border-radius:999px;margin-left:8px}\n <\/style>\n <script type=\"application\/ld+json\">\n {\n \"@context\":\"https:\/\/schema.org\",\n \"@type\":\"Article\",\n \"headline\":\"Concessionary Purchase Explained: How a Discount Can Become Your Deposit\",\n \"author\":{\"@type\":\"Organization\",\"name\":\"Empreso\"},\n \"datePublished\":\"2025-08-12\",\n \"dateModified\":\"2025-08-12\",\n \"about\":[\"Concessionary purchase\",\"Gifted equity\",\"Mortgage deposit alternatives\",\"Buying from family or landlord\"],\n \"publisher\":{\"@type\":\"Organization\",\"name\":\"Empreso\"},\n \"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.empreso.co.uk\"}\n }\n <\/script>\n<\/head>\n<body>\n <article class=\"wrap\">\n <header>\n <span class=\"pill\">Mortgage & Property Finance Guide<\/span>\n <h1>Concessionary Purchase Explained: How a Discount Can Become Your Deposit<\/h1>\n <p class=\"lede\">Buying a home below its market value\u2014often from a family member, landlord, or employer\u2014can allow the \u201cdiscount\u201d to count as your deposit. Here\u2019s how it works, who it suits, and a realistic example of what Empreso can help you achieve.<\/p>\n <p class=\"stamp\">Last updated: 12 August 2025 \u00b7 Written for readers in England & Wales<\/p>\n <\/header>\n\n“`\n<section>\n <h2>What is a Concessionary Purchase?<\/h2>\n <p>A <strong>concessionary purchase<\/strong> is when a property is sold to you at a price <em>below<\/em> its current open-market value. The difference between market value and the agreed purchase price is called <strong>gifted equity<\/strong> (or the concession). Many lenders allow that concession to be treated like a cash deposit\u2014subject to their criteria and affordability rules.<\/p>\n\n <blockquote>\n <p class=\"pullquote\"><strong>The key benefit:<\/strong> you may need <em>little or no cash deposit<\/em> if the discount is large enough and the rest of your case stacks up.<\/p>\n <\/blockquote>\n\n <div class=\"grid cols-2\">\n <div class=\"box\">\n <h3>Common Scenarios<\/h3>\n <ul class=\"checklist\">\n <li><strong>Family sale:<\/strong> Parent sells to child below market value as a gift.<\/li>\n <li><strong>Landlord to tenant:<\/strong> Landlord offers a discount to sell to a good tenant.<\/li>\n <li><strong>Employer-led move:<\/strong> Some employers or institutions may facilitate discounted purchases.<\/li>\n <li><strong>Developer incentives:<\/strong> Certain discounts exist, but treatment varies\u2014lenders assess carefully.<\/li>\n <\/ul>\n <\/div>\n <div class=\"box ok\">\n <h3>What Lenders Usually Look For<\/h3>\n <ul class=\"checklist\">\n <li>Clear evidence of current market value (e.g., valuation report).<\/li>\n <li>Gifted equity letter\/solicitor confirmation that the gift is <em>non\u2011repayable<\/em>.<\/li>\n <li>Standard <strong>affordability<\/strong> and <strong>credit<\/strong> checks.<\/li>\n <li>Conveyancer to reflect the concession in the contract\/transfer (e.g., consideration price on the TR1\/TP1).<\/li>\n <\/ul>\n <\/div>\n <\/div>\n<\/section>\n\n<section>\n <h2>Worked Examples<\/h2>\n\n <h3>Example A \u2014 Buying from Family with No Cash Deposit<\/h3>\n <p><span class=\"kicker\">Scenario:<\/span> Market value is <strong>\u00a3250,000<\/strong>. Family agrees to sell for <strong>\u00a3212,500<\/strong> (a <strong>15% discount<\/strong> = \u00a337,500 gifted equity).<\/p>\n <table class=\"table\" aria-label=\"Concessionary purchase calculation\">\n <thead>\n <tr>\n <th>Item<\/th><th>Amount<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr><td>Market value (from valuation)<\/td><td>\u00a3250,000<\/td><\/tr>\n <tr><td>Agreed purchase price<\/td><td>\u00a3212,500<\/td><\/tr>\n <tr><td>Gifted equity (discount)<\/td><td>\u00a337,500<\/td><\/tr>\n <tr><td>Mortgage at 85% of market value (illustrative)<\/td><td>\u00a3212,500<\/td><\/tr>\n <tr><td><strong>Buyer\u2019s cash deposit required<\/strong><\/td><td><strong>\u00a30<\/strong> (the discount covers it)<\/td><\/tr>\n <\/tbody>\n <\/table>\n <p class=\"note\">Some lenders will lend against the lower of purchase price or valuation; others may lend against market value in concessionary cases. Outcomes vary\u2014professional advice is essential.<\/p>\n\n <h3>Example B \u2014 Tenant Buys from Landlord with a Small Top-Up<\/h3>\n <p><span class=\"kicker\">Scenario:<\/span> Market value <strong>\u00a3300,000<\/strong>. Landlord sells for <strong>\u00a3270,000<\/strong> (a <strong>10% discount<\/strong> = \u00a330,000 gifted equity).<\/p>\n <table class=\"table\" aria-label=\"Concessionary purchase calculation 2\">\n <thead>\n <tr>\n <th>Item<\/th><th>Amount<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr><td>Market value<\/td><td>\u00a3300,000<\/td><\/tr>\n <tr><td>Agreed purchase price<\/td><td>\u00a3270,000<\/td><\/tr>\n <tr><td>Gifted equity<\/td><td>\u00a330,000<\/td><\/tr>\n <tr><td>Illustrative LTV desired<\/td><td>90%<\/td><\/tr>\n <tr><td>Max mortgage at 90% of purchase price<\/td><td>\u00a3243,000<\/td><\/tr>\n <tr><td><strong>Buyer\u2019s top-up needed<\/strong><\/td><td><strong>\u00a327,000<\/strong> (if lender lends on purchase price)<\/td><\/tr>\n <\/tbody>\n <\/table>\n <p class=\"note\">If a lender treats the concession as deposit against <em>market value<\/em>, the top\u2011up could be reduced or eliminated. If they lend against <em>purchase price<\/em>, a small cash top\u2011up might still be needed.<\/p>\n<\/section>\n\n<section>\n <h2>Gifted Equity vs Gifted Deposit<\/h2>\n <div class=\"box\">\n <p><strong>Gifted equity<\/strong> is a discount written into the contract\u2014often from family or a landlord\u2014so the price you pay is lower than market value. <strong>Gifted deposit<\/strong> is cash transferred to you to use as deposit. Lenders usually require both to be genuine, non\u2011repayable gifts with a clear paper trail.<\/p>\n <\/div>\n<\/section>\n\n<section>\n <h2>Who is it for?<\/h2>\n <ul class=\"checklist\">\n <li><strong>First\u2011time buyers<\/strong> who have family support or a landlord willing to sell.<\/li>\n <li><strong>Home movers<\/strong> looking to buy a relative\u2019s home below market value.<\/li>\n <li><strong>Investors<\/strong> in specific cases\u2014availability is more limited and highly case\u2011by\u2011case.<\/li>\n <\/ul>\n <p class=\"small\">Availability and terms vary by lender; not all lenders accept every concessionary scenario.<\/p>\n<\/section>\n\n<section>\n <h2>The Process (Step by Step)<\/h2>\n <ol>\n <li><strong>Eligibility & strategy call:<\/strong> We confirm if your scenario fits typical lender rules and your affordability looks suitable.<\/li>\n <li><strong>Evidence of value:<\/strong> A valuation (instructed via the lender) establishes current market value.<\/li>\n <li><strong>Paperwork for the gift:<\/strong> Your solicitor records the reduced consideration; the gifter signs a <em>non\u2011repayable gift<\/em> declaration.<\/li>\n <li><strong>Full application:<\/strong> Credit checks, documents, and underwriting.<\/li>\n <li><strong>Conveyancing & completion:<\/strong> Contracts reflect the discount; funds are released; you complete.<\/li>\n <\/ol>\n<\/section>\n\n<section>\n <h2>Key Advantages<\/h2>\n <div class=\"grid cols-2\">\n <div class=\"box ok\">\n <h3>Pros<\/h3>\n <ul>\n <li>Potentially <span class=\"kpi\">little to no cash deposit<\/span> required.<\/li>\n <li>Faster route onto (or up) the ladder.<\/li>\n <li>Can preserve your cash for fees, furnishings, or renovations.<\/li>\n <\/ul>\n <\/div>\n <div class=\"box warn\">\n <h3>Considerations<\/h3>\n <ul>\n <li>Not all lenders accept all concession types; criteria change.<\/li>\n <li>Affordability and creditworthiness still apply.<\/li>\n <li>Valuation risk: if the valuer down-values, your sums may change.<\/li>\n <li>Legal independence may be required (separate advice for donor\/recipient).<\/li>\n <\/ul>\n <\/div>\n <\/div>\n<\/section>\n\n<section>\n <h2>What Empreso Can Help You Achieve<\/h2>\n <p>Without naming any particular lender, here\u2019s a realistic outline of outcomes we routinely explore and\u2014where criteria allow\u2014help clients to achieve:<\/p>\n <ul class=\"checklist\">\n <li><strong>Structure a family or landlord discount<\/strong> so it is recognised as <em>gifted equity<\/em> and counted towards deposit requirements.<\/li>\n <li><strong>Target a minimal cash outlay<\/strong> (and in strong cases, <em>no<\/em> cash deposit) by aligning the discount and loan\u2011to\u2011value with a suitable lender\u2019s criteria.<\/li>\n <li><strong>Navigate legal and underwriting expectations<\/strong> so the contract and gift wording satisfy conveyancers and the lender.<\/li>\n <li><strong>Optimise the deal shape<\/strong> (e.g., LTV, product type, term) around your affordability, credit profile, and timeline.<\/li>\n <\/ul>\n\n <div class=\"box\">\n <h3>Illustrative Empreso Case Pattern<span class=\"badge\">Example<\/span><\/h3>\n <p><strong>Buyer:<\/strong> First\u2011time buyer tenant \u00b7 <strong>Market value:<\/strong> \u00a3280,000 \u00b7 <strong>Landlord price:<\/strong> \u00a3238,000 (15% discount \/ \u00a342,000 gifted equity)<\/p>\n <p><strong>Outcome we\u2019d target:<\/strong> Secure a mortgage that recognises the concession as deposit, enabling completion with <em>no additional cash deposit<\/em> from the buyer\u2014subject to affordability, valuation, and lender criteria at the time of application.<\/p>\n <p class=\"small\">This is not a guarantee. Individual outcomes vary and depend on current lending policy, your circumstances, and the property itself.<\/p>\n <\/div>\n<\/section>\n\n<section>\n <h2>FAQs<\/h2>\n <h3>Will I pay Stamp Duty on the market value or the discounted price?<\/h3>\n <p>Ordinarily SDLT is based on the <em>consideration you pay<\/em> (the discounted price), but rules can be nuanced\u2014especially where connected parties are involved. Always get advice from your conveyancer. You can check indicative figures using the official SDLT calculator.<\/p>\n\n <h3>Does the gift have to be non\u2011repayable?<\/h3>\n <p>Yes\u2014if it\u2019s repayable, it\u2019s not a gift. Lenders typically require a signed declaration that the gift is unconditional and the donor will have no interest in the property after completion.<\/p>\n\n <h3>Can I use a concessionary purchase for a buy\u2011to\u2011let?<\/h3>\n <p>It\u2019s less common but not impossible. Availability is limited and case\u2011by\u2011case. Expect tighter criteria and potentially higher deposit expectations than for residential owner\u2011occupation.<\/p>\n\n <h3>What if the valuation comes in low?<\/h3>\n <p>You may need to adjust the structure (e.g., add cash, renegotiate price, or choose a different product). Your adviser will walk you through options.<\/p>\n<\/section>\n\n<div class=\"hr\"><\/div>\n\n<section>\n <h2>Next Steps<\/h2>\n <div class=\"grid cols-2\">\n <div class=\"box\">\n <h3>Get a Clarity Call<\/h3>\n <p>Bring your numbers (estimated market value, proposed price, income, commitments). We\u2019ll map the routes and highlight what\u2019s realistic for <em>your<\/em> case.<\/p>\n <a class=\"cta\" href=\"https:\/\/network.empreso.co\/clarity-review\" target=\"_blank\" rel=\"noopener\">Book a Clarity Review<\/a>\n <div class=\"taglist\" aria-label=\"Topics\">\n <span class=\"tag\">Gifted Equity<\/span><span class=\"tag\">First\u2011Time Buyers<\/span><span class=\"tag\">Landlord Sale<\/span>\n <\/div>\n <\/div>\n <div class=\"box\">\n <h3>Prefer to Start with Numbers?<\/h3>\n <p>Share a few details securely and we\u2019ll assess feasibility before you instruct solicitors.<\/p>\n <a class=\"cta secondary\" href=\"https:\/\/network.empreso.co\/join-empreso\" target=\"_blank\" rel=\"noopener\">Start Your Enquiry<\/a>\n <p class=\"small\">Places may be limited during busy periods.<\/p>\n <\/div>\n <\/div>\n<\/section>\n\n<footer>\n <div class=\"hr\"><\/div>\n <p class=\"small\"><strong>Important:<\/strong> This article is for information only and does not constitute advice. Mortgage availability, criteria, and interest rates change frequently. A full assessment of your circumstances is required before any recommendation can be made. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/p>\n<\/footer>\n“`\n\n <\/article>\n<\/body>\n<\/html>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class=\"gsp_post_data\" data-post_type=\"post\" data-cat=\"first-time-buyer,property-investment,starting-in-property\" data-modified=\"120\" data-title=\"Concessionary Purchase Explained\" data-home=\"https:\/\/www.empreso.co.uk\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Concessionary Purchase Explained: How a Discount Can Become Your Deposit Mortgage & Property Finance Guide Concessionary Purchase Explained: How a Discount Can Become Your Deposit Buying a home below its market value\u2014often from a family member, landlord, or employer\u2014can allow the \u201cdiscount\u201d to count as your deposit. Here\u2019s how it works, who it suits, and […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74,50,78],"tags":[],"class_list":["post-1414","post","type-post","status-publish","format-standard","hentry","category-first-time-buyer","category-property-investment","category-starting-in-property"],"yoast_head":"\n<title>Concessionary Purchase Explained - Empreso<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.empreso.co.uk\/?p=1414\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Concessionary Purchase Explained - Empreso\" \/>\n<meta property=\"og:description\" content=\"Concessionary Purchase Explained: How a Discount Can Become Your Deposit Mortgage & Property Finance Guide Concessionary Purchase Explained: How a\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.empreso.co.uk\/?p=1414\" \/>\n<meta property=\"og:site_name\" content=\"Empreso\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/EmpresoNetwork\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-12T13:12:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-27T14:07:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.empreso.co.uk\/wp-content\/uploads\/2025\/06\/Untitled_design__19_-removebg-preview-3.png\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Alain Mbe\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AlainMbe\" \/>\n<meta name=\"twitter:site\" content=\"@AlainMbe\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alain Mbe\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.empreso.co.uk\\\/?p=1414#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.empreso.co.uk\\\/?p=1414\"},\"author\":{\"name\":\"Alain Mbe\",\"@id\":\"https:\\\/\\\/www.empreso.co.uk\\\/#\\\/schema\\\/person\\\/345ab3030e280b59aeb2320db8bc34df\"},\"headline\":\"Concessionary Purchase Explained\",\"datePublished\":\"2025-08-12T13:12:56+00:00\",\"dateModified\":\"2025-08-27T14:07:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.empreso.co.uk\\\/?p=1414\"},\"wordCount\":1126,\"publisher\":{\"@id\":\"https:\\\/\\\/www.empreso.co.uk\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.empreso.co.uk\\\/?p=1414#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.empreso.co.uk\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Untitled_design__19_-removebg-preview-3.png\",\"articleSection\":[\"First Time Buyer\",\"Property Investment\",\"Starting In Property\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.empreso.co.uk\\\/?p=1414\",\"url\":\"https:\\\/\\\/www.empreso.co.uk\\\/?p=1414\",\"name\":\"Concessionary Purchase Explained - 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