The bank has zero issue with my application and happy I can service the small mortgage, I have zero debt and also my own money in the bank and my income could service a much bigger home loan
Then you need to ask them what you can do in the future to reapply. What percent of the deposit is your own money?
In theory 100% of the deposit is my own money if I wanted to I could spend it on Coke and hookers and can prove where the money came from
Just cause it was a gift should not matter
Is there any possibility that the bank considers the 'gift' component as a de-facto loan dressed up as deposit?