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Thanks for your question. There is no issue with you taking a personal loan for the balance. All you have to do is show your solicitor the loan papers that you sign. In fact this is probably the only way you can finance the balance as most lenders won’t offer a mortgage for less than £25000. A personal loan is a perfectly good source of funds. I hope that helps. Please leave a positive rating so that I am credited for my time.
In principal there is nothing to stop you buying property with a personal loan. Presumably the lender you have approached has offered a product which is not for use as part of a property purchase.
You would show the solicitor your bank account with the loan funds being credited by the lender. You could also show the main part of the offer of loan but possibly not the detailed terms.
There is no general law to that effect even though the lender here has made it a contractual condition of the loan for whatever reason.
I have been a qualified UK solicitor for 32 years.